New York Auto Insurance Information

From the Adirondack Mountains in upstate New York to the concrete jungle in Times Square, one thing is certain:  Auto insurance is required in the Empire State and The General® has you covered. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our New York customers.

New York Mandatory Coverages

New York State law requires that all motorists carry a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. Mandatory “no-fault” coverage of $50,000 is also required. New York law also requires all auto insurance policies to provide uninsured motorists coverage (for bodily injury), subject to the same minimums. The coverage minimums are:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
  • Basic Personal Injury Protection: $50,000

Frequently Asked Questions Regarding New York Auto Insurance

What is Uninsured Motorist cover?

Coverage which protects you and the people in your car in the event another driver hits you with inadequate New York insurance coverage or no auto insurance at all.

What is SR22 Insurance?

SR22 is a document often required by a state’s Department of Transportation (DOT) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR22 policy.

What is PIP (Personal Injury Protection)?

Personal Injury Protection (PIP) is a mandatory auto insurance coverage in New York. All insured drivers must carry PIP coverage of at least $50,000. Personal Injury Protection offers the following benefits if an insured is involved in an accident:

  • Medical and rehabilitation expenses
  • Death benefits
  • A portion of your lost earnings from being unable to work (up to 3 years)
  • Other household expenses

The General® offers instant proof of insurance when you buy auto insurance online at our website.