New York Auto Insurance Attorney
The state of New York requires automobile drivers to purchase bodily injury liability coverage and property damage liability coverage. At a minimum, the driver must have bodily injury liability coverage of at least $25,000 per person injured in any one accident and $50,000 total for all persons injured in any one accident. If the accident results in death, the minimum coverage limits required are $50,000 in the event of the death of one person in an accident and $100,000 in the event of the deaths of two or more people in an accident. This is referred to as "wrongful death" coverage and is represented as 50/100 coverage. The driver must have a minimum of $10,000 property damage liability coverage for the destruction of the property of others as a result of an automobile accident. This is often represented as 25/50/10 coverage. New York state law requires the purchase of personal injury protection coverage of at least $50,000 to cover reasonable and necessary medical, rehabilitation, psychiatric, and religious healing expenses, as well as loss of income, sustained by the policyholder or the policyholder's passengers, without regard to fault.
Automobile drivers must purchase uninsured motorist/underinsured motorist bodily injury coverage. This type of insurance is meant to cover bodily injuries caused by an uninsured/underinsured driver. At a minimum, the driver must have uninsured/underinsured motorist coverage of at least $25,000 per person injured in any one accident and $50,000 total for all persons injured in any one accident caused by an uninsured/underinsured motorist.
New York follows a No-Fault system. Under such a system, the insurance company will pay injury claims, regardless of fault, up to a specified limit; however, some of the legal rights to sue a negligent driver under a No-Fault system are significantly limited. Details of a No-Fault system vary from state to state. As such, please check state insurance regulations to determine the current details of the New York No-Fault system.
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