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Featured Insurance Blog

Required Auto Insurance in New York

If you own a car in New York, you are required to have an insurance policy for it. Like other states, New York has specific mandates for the types of coverage you must have and the minimum required amounts for each. If you need auto insurance, contact us today at L & S Agency Inc. in Buffalo, NY to talk to an agent.

Liability Coverage Types

There are three different amounts that are required for various types of liability coverage. The first is a specific minimum amount for one person’s bodily injury that occurs during an accident. The second is a different number that is required for everyone who has been injured. A third amount is required for property damage that happens during an accident. All of these have minimum required amounts, but they are quite low amounts. It’s generally recommended that you get higher amounts of coverage so that you aren’t stuck paying the overage after your insurance maxes out. 

Uninsured and Underinsured Motorist

If you have an accident with a motorist who has either no insurance or very little insurance, your uninsured and underinsured motorist coverage can pay for you and your passengers’ injuries. There is one amount required for one person’s injuries and another amount for everyone who is injured in the accident. 

Personal Injury Protection

In New York, personal injury protection is required to pay for your own injuries in an accident. This amount can also be increased if you choose so that serious accidents can be paid for. 

Get Your Auto Insurance

Don’t take a chance and drive in New York without insurance. Even a moderate accident could destroy you financially. If you need auto insurance, or you want to add to the coverage that you have, contact us at L & S Agency Inc. in Buffalo, NY.