Avoiding Trouble With New York Auto Insurance

Auto insurance in New York is a must for every vehicle owner in the state. Failure to comply with state laws for insurance can result in heavy fines and stiff penalties. Drivers must have the minimum amount of state required insurance from a licensed New York State Insurance Department carrier when they register their vehicles and carry proof of insurance at all times. Furthermore, these insurance carriers are also required to notify the state DMV if a policy lapses, when it issues a policy and also when it ends.

Vehicle owners are required to carry at least $25,000 with a maximum of $50,000 in bodily liability insurance. They are required to carry this same amount in uninsured or underinsured motorist bodily injury coverage. One must also have at least $10,000 in property damage insurance as well as $50,000 in personal injury protection. Many drivers opt to get additional coverage such as collision or comprehensive insurance to protect themselves in cases of natural disasters, accidents such as fires or flooding, theft and vandalism that can also destroy vehicles.

Those who fail to comply with getting the proper amount of auto insurance in New York will find themselves subject to very harsh penalties. Not only is it possible to have a license suspended, but one can also lose his or her vehicle registration. He or she can also face fines and tickets and the vehicle may be towed and impounded. Fees can add up from between $8 and $12 per day if a vehicle remains uninsured for less than 90 days. Civil penalties can also add up to nearly $1000 if a vehicle is lost due to non-registration.

One should consider all these factors when deciding upon a policy, especially since New York has some of the highest insurance premiums in the entire country. One needs to look carefully at all the circumstances covered and not covered with his or her policy before making a commitment to a policy. If a vehicle owner needs to include other family members under or policy, he or she should make sure the policy actually covers additional persons. Drivers can also take under consideration that New York is a No Fault state.

When one looks for auto insurance in New York, he or she needs to keep in mind all the consequences that can occur if one should neglect to keep up a valid policy. Losing a vehicle's registration due to a lapsed policy can become very costly. Penalties and fees can quickly add up, so it is important to find just the right policy and look for any possible discount that will help it become more affordable so that one does not allow it to lapse.

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