New York State Requirements for Car Insurance

October 31st, 2012 by

Middletown HondaAt Middletown Honda, we would like to clear up any confusion that surrounds New York State insurance laws. Most states, including New York, have at least some sort requirement for vehicle liability insurance. If you’re found liable for an accident, you will be responsible for covering property and personal damage. Since you never know when an accident is going to happen, being properly insured is the best way to protect you and your family.

Know New York’s Auto Insurance Laws

First off, you can’t just buy insurance from any company. Your coverage must be authorized by the NYS Insurance department. Even if you aren’t using your vehicle, as long as it’s registered, it must be insured.

There are several minimum liability coverages all drivers must have:

  • $25,000 for one person, and 50,000 for two or more people injured in another party.
  • $50,000 for one person, and $100,000 for death of two or more people in another party.
  • $10,000 for property damage caused by an accident for which you are found responsible.

Within 45 days of obtaining insurance, you must present the information to the DMV in order to obtain registration. Be sure that you always also keep insurance information with your vehicle. Failure to not have insurance coverage could lead to license suspension or revocation.

To make sure that you get the best possible deal on insurance, shop around with different companies. Know that the type of car you drive, personal information, and your driving history all play a factor in how much of a monthly premium you’ll pay.

When you purchase a vehicle, we can help you to better understand the types of insurance you’ll need. Our financing team can also help you learn about adding more coverage to better protect your new investment.

Trust Middletown Honda with Your Vehicle Needs

Middletown is proud to support the Orange County area with incredible vehicle sales and servicing. We’re just a short 20 minute ride from Monroe, so the next time you’re looking for a new vehicle or need service on your current one, we’re happy to help! You can find directions to our dealership as well as customer reviews here. Swing on by to see why we’re one of the best!