Coverage selections for New York drivers will vary widely depending on your individual needs, but all drivers in the state will need to meet required minimum coverage requirements. Take a moment to learn more about your choices for auto insurance coverage in NY and what is required by law.
There are four types of compulsory insurance that you are required to purchase under state law. Compulsory insurance is the minimum amount of coverage required by state law. These four compulsory coverages are:
Bodily Injury $25,000 for bodily injury and $50,000 for death for a person involved in an accident
Damage to Someone Else’s Property $10,000 for property damage for a single accident
Accidents can often result in damage that exceeds the state required coverage limits. Depending on your individual needs, you might want to purchase increased limits on required coverages like Optional Bodily Injury to Others, Bodily Injury Caused by an Uninsured Auto, Damage to Someone Else’s Property, or consider additional types of coverages.
Here are some examples of optional car insurance coverage that Plymouth Rock offers:
Collision Coverage is not required in NY, but if your car gets damaged in an accident (without another liable party), it will help you get your own vehicle repaired or replaced. Your lender will require this kind of coverage to protect their investment if you have a loan.
Comprehensive Coverage pays for damage to your car caused by events such as fire, theft or vandalism; in other words, damage caused by something other than a collision.
Umbrella Coverage For extra liability coverage, you could also choose to purchase umbrella coverage. Umbrella insurance offers you an affordable way to increase overall protection for high-net worth individuals and families.
This is just a brief summary of these coverages. Additional terms and exclusions apply. Actual coverage is subject to the language of the policy as issued. Please refer to your policy for more information or contact a local independent Plymouth Rock agent.