The Empire State is known for it's booming metropolis consisting of five boroughs. The city alone attracts 56.4 million tourists a year. It's true that if you can make it there, you can make it anywhere.
Requirement : Yes
Car insurance is required in New York . Drivers must have a minimum of liability, personal injury protection - no fault, and uninsured motorist coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability, personal injury protection, and uninsured motorist coverage is required:
Other Car Insurance Coverage Options:
Liability, personal injury protection, and uninsured motorist coverage are the only requirements for New York motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times. New York uses an electronic data base to monitor the car insurance status or all vehicles registered in the state.
Valid forms of proof of financial responsibility include:
Violations, Fines & Penalties:
Credit Scores & Determining Your Insurance Premium :
All New York drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. . Drivers unable to get private coverage can purchase insurance through the New York Automobile Insurance Plan (NYAIP).
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in New York:
All drivers are prohibited from using cell phones while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Cell phone violations face a $100 maximum fine, and a mandatory $85 surcharge. Text message violations face a $150 maximum fine, and a mandatory $85 surcharge.