Buffalo, New York Car Insurance

A: New York state law requires that you carry four types of compulsory insurance. Compulsory insurance is the minimum amount of coverage required by law. This includes bodily injury liability (BID), property damage liability (PD), personal injury protection (PIP), and uninsured/underinsured motorist (UM/UIM) coverage.

A: According to the New York Department of Motor Vehicles, the minimum amount of liability coverage for most vehicles is $10,000 for property damage per accident, $25,000 for bodily injury per person, and $50,000 for bodily injury liability per accident.

A: Yes, New York is a no-fault state, which means you are required to have Personal Injury Protection, or PIP, as part of your car insurance policy. This provides medical coverage for you and your passengers if there is an accident, no matter who is at fault.

A: An underinsured driver is someone who has liability insurance, but not enough to cover your injuries due to an accident. New York state requires a minimum limit of $25,000 per person and $50,000 per accident.

A: A few factors impact how much car insurance you need. First, you must carry the minimum coverage as required by the state you live in. Next, consider how often and far you drive, as well as whether you want extra protection like collision or comprehensive coverage. You should also think about personal risk, your car’s value, your budget, and how much you are willing to spend on a deductible.