With borders along Canada, Lake Ontario, Lake Erie, Ohio, Pennsylvania, New Jersey, Connecticut, Massachusetts, and Vermont, New York is a massive state filled with countless attractions and small towns. Sites like the Erie canal, the Finger Lakes wine region, and of course the Big Apple bring people from around the state and country to see what this incredible state has to offer. For those who call New York state home, getting around will typically require a car if you are outside the larger cities. With that in mind, let us take a quick moment to review the basics of New York car insurance from newyork-insurance.website, to make sure you are adhering to the law the next time you head out to one of the many exciting destinations located in the state.
First Thing To Consider
If you want to drive in New York state as a resident, then you have to have insurance for your vehicle. If you do not have some form of insurance recognized by the state as meeting its basic minimum requirements, then you will be considered driving without insurance. Illegal, driving without proper insurance will result in a fine at the very least. In addition to the fine, you may be looking at having your license suspended or your car impounded. Simply put, it is far more cost effective to get insurance then to try and skirt the law.
One of the best places for you to go to learn more about the laws around insurance is the automobile owners resource center on the New York State government website. In addition, there are countless additional guides that can be found online for new New York drivers.
How Much Insurance Do You Need For Your Car?
You will have to meet the minimum auto insurance requirements. But beyond that, the amount of New York car insurance you decide to get is up to you. In New York, basic insurance includes having no-fault insurance, which is also known as personal injury protection. In addition, you must have liability insurance in addition to uninsured motorist coverage.
Ask anyone and they will recommend that you extend your insurance coverage save for two reasons. The first reason you should not extend your coverage is if you cannot afford it. The second reason not to extend your coverage is if your car is so old that it is not worth the cost to fix. Property damage liability, no-fault coverage, supplemental insurance, comprehensive insurance, and collision insurance are many potential additions you can get to your insurance. Once you know what kind of insurance you want, you can begin contacting insurance agencies in the state and getting quotes online or over the phone.