New York Requires Uninsured Motorist Auto Insurance

Ron Trumbo Insurance Editor

Nationwide 15% of all the cars on the road are driven by uninsured drivers. In New York however, only 5% of drivers are uninsured. This is because New York requires all drivers to take responsibility their cars and cracks down heavily on those who don’t have car insurance. In an effort to protect New Yorkers even further, the state requires every driver to carry uninsured motorist coverage.

New York Requires Uninsured Motorist Coverage

New York is one of a few states that makes uninsured motorist coverage mandatory. Intending to protect all drivers, New York requires that you have uninsured motorist coverage for the amount equal to the New York’s minimum liability levels. Unfair to many, uninsured motorist coverage is almost like buying a car insurance policy for everyone you don’t know, that could someday hit you with their car. Many insurance agents recommend that you have uninsured/underinsured coverage that is on par with your liability limits. Uninsured/underinsured motorist coverage will also protect other passengers in your car.

What is Uninsured Motorist Auto Insurance Coverage?

Uninsured motor coverage protects you from being the victim of a car accident if and when the other driver at fault doesn’t have a policy in New York. If you are involved in a hit-and-run claim in New York, generally your uninsured motorist coverage will cover your claim. Be aware, New York’s minimum underinsured motorist coverage only covers your bodily injuries as does not protect property damage to your car or truck. You can always elect to purchase additional coverage above the New York’s minimum requirements, but you should absolutely speak with a New York insurance agent before you simply start throwing money away.

Ask a Local New York Insurance Agent

Buying car insurance in New York is not always as easy and fun as the TV commercials like to make it appear. In order to find the right amount of car insurance coverage your needs as a New Yorker, you need to shop around. Have a few quick conversations will experienced New York insurance agents.

Sources: This source of uninsured driver information is the Insurance Research Council which tracks uninsured and underinsured driver trends closely.