Moving to a new state changes more than your zip code. It changes your auto insurance requirements, too. It’s smart to get your auto insurance situation taken care of as part of your moving checklist. Then you can be certain you have the protection that you assumed was already in place. L & S Agency Inc., serving Buffalo, NY, explains how to handle auto insurance when you move states.
Notify Your Insurer Right Away
New residents have 30 days to register a vehicle with the New York DMV, and insurance needs to be active before that registration goes through. Call your provider as soon as the move is confirmed. Don’t take any chances by getting behind the wheel in your new home of New York without taking this important step first.
New York’s No-Fault Rules Are Different
New York requires personal injury protection, commonly called PIP, as part of every standard policy. PIP covers medical expenses after an accident regardless of fault. This requirement doesn’t exist everywhere, so realize that your old state might not have had that requirement.
Minimum Coverage Specific to New York
New York’s minimum liability requirements sit at 25/50/10, meaning $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage. Uninsured motorist coverage is mandatory as well.
The DMV Checks Insurance Electronically
New York verifies coverage through an electronic system tied directly to the DMV. If a policy lapses, even briefly, the state receives notice automatically, and that can lead to registration suspension and fines.
Handling the paperwork before the move, rather than after, tends to keep the whole process considerably smoother. Contact your insurance agent at L & S Agency Inc., serving Buffalo, NY, for help with the transition. Your protection depends on it.
