Auto Insurance New York State and You - By: Tim Vincent

There are certain minimum needs for auto insurance New York State. These must be obtained so that you can successfully register your car and obtain the license plates. Without these you aren't allowed to drive your car on the road.

You shouldn't think that you can simply avoid paying for insurance and drive without it. There are various mechanisms used by the Insurance Information and Enforcement System to find cars that haven't been insured. All insurance providers have to report cancellations, renewals and new policies to the New York DMV. This information is then used in a database to track the insurance on all registered vehicles in New York State. If you fail to keep your car insured at all times you will be identified by the DMV and this can end in a number of consequences: you could end up getting your vehicle registration and driver's license suspended as well getting a big fine. Initially the DMV posts you a letter inquiring about your insurance. If you get one like this you should deal with it speedily.

There are three sorts of insurance that you need to get. The first is named 'No Fault' or 'Personal Injury Protection' This is meant to pay medical expenses, lost earnings and other expenses built up by anybody that is injured by your driving in an accident. This sort of insurance is designed to pay out quickly without any fault for the accident being assigned to any certain individual. It gives up to $50 000 for each person hurt in an accident. This is personal injury insurance and therefore doesn't pay out for any damage to the motor vehicles involved. Injuries to pedestrians are also included in this type of insurance.

The 2nd is called 'Liability' insurance and is able to protect against any harm that your car does to other persons and their property. This also covers you for driving another person's automobile providing you have the owner's permission. This type of insurance is used when other people involved say that your driving caused the accident. Your insurance provider also needs to give you legal assistance and defense without reducing the liability levels to the people injured. As a result payments will be made if death or serious injury results from your driving.

The third type of insurance is for 'Uninsured Motorists' and protects you and your passengers against any injuries that might be suffered in an accident with an uninsured driver or as the result of a hit and run accident.

You need also know that most policies exclude people from No Fault benefits under specific situations where they are not complying with the law. These include driving under the influence of alcohol or drugs, intentionally causing your own injuries, injuries given while committing a crime or injuries given while driving a stolen vehicle.

Insurance organisations vary in how well they deal with the claims that they receive. The worst ones will end up getting more complaints relating to their customer service. The New York State Insurance Department keeps a record of the number of complaints received and therefore you should look at these before buying your insurance.

In order to get the cheapest price for your insurance you should then check out as many insurance companies as possible. The easiest way to do this is online because you can quickly fill in the forms and get your quotes just about instantly.

About the Author

You can get a FREE online car insurance quote for the New York State area right now by going to the Budget Auto Insurance New York State web site. You will also be able find out lots of extra information about New York car insurance, how to reduce your insurance costs, insuring younger drivers and what to do if you are finding it difficult to get insured in the first place.

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