East Coast Auto Insurance offers top rated New York auto insurance companies from Allstate to Geico and Progressive and 21st Century.  We will help you find suitable coverage no matter what your driving history is.  Call us now at 888-206-0565 for immediate assistance.

New York Auto Insurance Data

To obtain a license plate and register your car in the state of New York you must provide the Department of Motor Vehicles with proof of insurance.

Most US states have a “traditional tort” liability system for auto insurance in which recovery is governed by provable negligence. However, twelve US states (including New York) and Puerto Rico require policyholders to operate under a “no-fault” scheme in which individuals injured in automobile accidents are limited in their ability to seek recovery from other drivers or vehicle owners involved in an accident.

The state mandates the purchase of Liability, Personal Injury Protection coverage (PIP) and Uninsured Motorist coverage.
Liability insurance covers you as the driver and/or anyone else operating your vehicle with your permission, from a claim brought against you by a third party in case of an accident.
These are the minimum third party Liability Coverage required by New York State:

  • · $25,000 for bodily injury sustained by a person in any one accident ($50,000 in case of death)
  • · $50,000 for injuries of two or more persons in any one accident ($100,000 death benefits for two or more persons)
  • · $10,000 for damage to the third party’s property per accident

Personal Injury Protection (PIP) coverage is intended to pay up to $50,000 (per person) for medical or other related expenses including Loss of Income (80%), to you as the driver, and each of the passengers of your car that sustained injuries, regardless of fault.
Uninsured Motorists coverage is mandated by the state, protecting you and the occupants of your car in case of bodily injury, by uninsured motorists including ‘hit and run’ accidents.
We at East Coast Auto Insurance review each application and suggest coverages that are affordable and custom fit to each of our clients to insure you and your assets will be properly protected in case of an accident.