New York Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

In New York, the minimum car insurance coverage all drivers should have is 25/50/10 in liability limits along with personal injury protection (PIP) and uninsured motorist coverage. The minimum requirement ensures the financial protection of the policyholder from expensive medical bills and property damage expenses and is legally required in order to drive within the state. Without it, drivers in New York are at risk of receiving penalties or fines