Choosing the right insurance policy is a priority when you are a motorist in Buffalo NY. There are a few things that vehicle owners need to be aware of when it comes to auto insurance. L & S Agency Inc. provides auto insurance policies to New York state residents.
The following are three things you should know about auto insurance in New York:
The state of New York requires drivers to have insurance coverage to register their vehicles.
You need to show that your vehicle is insured to register it at a New York DMV.
Motorists in New York can get in a lot of trouble if they’re not carrying auto insurance. Those who are caught without insurance can be cited by the police. You could have your vehicle registration and driver’s license suspended if you’re not insured and you’re caught driving on public roads in New York.
New York State requires no-fault, liability, and uninsured motorist coverage.
There are minimum auto insurance requirements that motorists in New York must meet. Motorists need $50,000 in no-fault personal injury protection coverage per person per accident. Motorists also need $25,000 per person in bodily injury liability coverage and $25,000 in uninsured motorist coverage.
Collision and comprehensive coverage are optional in New York.
Motorists don’t have to buy collision or comprehensive coverage in New York. However, purchasing these types of coverage is important if you want full coverage that will pay for damages to your own vehicle in an accident.
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The auto insurance policies we provide at L & S Agency Inc. will give you peace of mind and fulfill your insurance coverage responsibilities in Buffalo, NY. Get in touch with us today to get a policy quote.
