Drivers in New York are often plagued with inclement weather and consistent traffic that makes car accidents seem inevitable. Thus, it is important that drivers ensure their vehicles are properly insured. Pursuant to New York law, to register a vehicle a driver must have car insurance. Car insurance protects the driver from personal liability if they are involved in an accident. 

form with what you should know about car insurance

Minimum Car Insurance Coverage

The minimum car insurance policy a driver operating their vehicle in New York must obtain includes:

•$10,000 for property damage for a single accident.

•$25,000 for bodily injury and $50,000 for death for a person involved in an accident.

•$50,000 for bodily injury and $100,000 for death for two or more people in an accident.

•$50,000 mandatory no-fault coverage, or personal injury protection (PIP).

•Uninsured motorist coverage: $25,000 per person and $50,000 for all persons

Personal Injury Protection Insurance 

New York is one of a handful of states that require drivers to have personal injury protection (PIP). Personal injury protection, also known as no-fault coverage, can help drivers and their injured passengers cover their expenses after they have been injured in an accident. PIP insurance is applicable regardless of who was at fault for the accident. Expenses covered by PIP insurance include medical bills and lost wages. However, PIP insurance does not cover property damage, vehicle theft, or vehicle damage. 

Proof of New York Car Insurance

The New York State Department of Motor Vehicles (DMV) mandates that drivers provide proof that their vehicle is properly insured. A driver may provide this proof in two ways. First, the insurance company will electronically notify the DMV that you have insured your vehicle. Second, your insurance company will provide you with two original New York State insurance identification cards. The driver will keep one of the original insurance cards in their vehicle to provide proof of insurance in the event that they are stopped by police or involved in an accident. The second insurance card must be provided to the DMV when the driver registers their vehicle. The DMV will keep the second insurance card on file. 

Insurance Costs and Discounts 

Insurance costs can vary greatly. The cost of your car insurance will depend on several factors including your age, gender, marital status, driving record, vehicle, and zip code. To determine the appropriate premium an individual should pay, insurance companies rely on statistics. For example, a young driver will pay a higher premium for car insurance when compared to an older driver because statistics show that young drivers have a greater risk of being involved in an accident. Similarly, male drivers under the age of twenty-five are more likely to be involved in a car accident when compared to their female peers. Thus, young men pay a higher premium. 

Hire an Attorney that Specializes in Car Accidents

At TonaLaw, we understand the pain and hardships that our clients face following an injury. Whether your injury occurred due to another’s negligence or at work, we can assist you in recovering medical expenses, lost income, and the peace of mind you deserve. 

As a firm with over twenty years of experience, we know how deceitful insurance companies are when it comes to paying you less than you deserve. With TonaLaw, our clients are assured that their attorney is working tirelessly to ensure that they receive the settlement they deserve. 

These reasons make it essential that you get compensation for your injuries from a New York personal injury lawyer. Our legal team at TonaLaw provides a wide range of services, including personal injury and no-fault collections, business litigation, and more. Call or text 1 (833) TONALAW today for more information. 

What Our Clients Are Saying

Excellent5.0 Based on 350 reviews from review us onElizabeth SanchezElizabeth Sanchez ★★★★★ Definitely recommend this law firm. Great communication and walked me throughout the whole process. Very satisfied.Laurea MartinezLaurea Martinez ★★★★★ My twins and I had a bad car accident that turned our lives upside down. I was in and out of surgeries and PT to get fix. But let me tell you, TONA Law and the staff took such a stressful situations out and made everything an easy process for us! My lawyer Jeff along with Jayda and Lauren were open for communication, even if it meant answering e-mails or silly questions after hours. I highly recommended Tona Law if you are looking for a competent lawyer to fight for you! Do yourself a favor and get that “accident nuts” out of your head and give them a call. God sent!Thanks Tona Law!Joseph DadaboJoseph Dadabo ★★★★★ Tonalaw is great Lauren and Robin are such awesome people thank you guys for your helpKatelyn MccormickKatelyn Mccormick ★★★★★ I have know Lauren for years, she is a very professional and caring person, anyone working with her would be in good hands.joanne lursenjoanne lursen ★★★★★ Lauren is very knowledgeable in her field and focuses on getting the job done, producing the best results, and willing to going the extra mile.Brooke BirkeyBrooke Birkey ★★★★★ If you contact Tona Law Firm after an accident, you will be delighted to work with their team of professionals. They are caring, easy to talk to, and know how to get you quickly on the road to your best results. If you've been seriously injured in New York and you're looking for a great experience, look no further than Tona Law.jeanette devinejeanette devine ★★★★★ Lauren work ethics are exceptional. She is always extremely helpful with any questions. Tona law is very lucky to have her as part of the team.NicoleNicole ★★★★★ I have nothing but wonderful things to say about Tona Law. I highly recommend them. Dianna is amazing. She is personable, knowledgeable and extremely reliable and impressive. Thank you to the entire staff.Mike manasMike manas ★★★★★ Lauren was such a pleasure to work with! Super informative and helpful.Melanie RasmussenMelanie Rasmussen ★★★★★ I highly recommend Jeffrey Donato, personal injury attorney with TonaLaw! I've used Jeff personally, when we needed advice with two situations. He's professional, highly knowledgeable, compassionate, and responsive. I totally trust him.Educated MomEducated Mom ★★★★★ I would highly recommend Tona Law. Diana and her team are fantastic!Amazing AngelsAmazing Angels ★★★★★ They’re great team of lawyers and they really care about their clientsKaram BasraKaram Basra ★★★★★ Tona Law answered all my questions thoroughly, talked to me like I was a person and not just another case, and were dedicated to helping me solve my legal issues. Thanks to Dianna Kost and everyone on the team!Christine RoeChristine Roe ★★★★★ I would trust this firm with any matter you may have. Amazing people with great values. Plus the marketing team is killing it!anthony scottianthony scotti ★★★★★ JohnJohn ★★★★★ I have known Lauren for years. She takes pride in her work and is professional. Your in good hands with her and Tona lawErica CharleneErica Charlene ★★★★★ I have known Lauren for over 20 years, she takes pride in her work, is professional, and dedicated to helping clients. You're in good hands with Lauren on your side.emily rosenemily rosen ★★★★★ If you’re looking for superior lawyering, call tona law. I would highly recommend Dianna and her team for all your legal matters.Teresa DesimoneTeresa Desimone ★★★★★ I called Tona Law not knowing what to expect after my car accident. They were very kind and patient, made me feel very comfortable about the process while still undergoing surgeries. I know it isn't much, but when I came home from the hospital my husband showed me a little get well package that they sent. It made me feel like they cared that they went that extra step. Lauren and Jayda answered every question I had in a timely manner and if they weren't sure, one of the lawyers would call and would further explain it until I understood. Healing is already a stressful time, Tona Law made it a little bit easier. Thank you to everyone who helped.Bernhard SengstockBernhard Sengstock ★★★★★ Great people! So happy to know that they can be trusted! Will recommend! 😊👍Jeff HJeff H ★★★★★ Great experience with Tona Law. Very professional and responsive.Gisselle SortoGisselle Sorto ★★★★★ I had the pleasure of speaking with Mrs. Dianna Kost who initially referred me to TonaLaw, she was kind and very helpful! I know at TonaLaw my voice will be heard and all my questions will be answered and I will always come across a polite knowledgeable staff member. That is why TonaLaw is my ONLY choice for any Personal Injury Case I have and why I not only will recommend them to my family and friends but my patients as well. So if you are questioning which firm to pick among the the hundreds you'll find on google you might as well stop your search here and give them a call to see for yourself!Luz TursoLuz Turso ★★★★★ Dianna is honest, helpful, and exceptionally kind. It helps knowing that Tonalaw has spanish speaking attorneys and staff that accommodate the latin clientele.Fabian VasquezFabian Vasquez ★★★★★ The paralegal team at TonaLaw worked very hard to get me the justice I deserved. I am very satisfied with the results. Totally recommend them for personal injury matters.Chris ColantuonoChris Colantuono ★★★★★ Jeffrey Donato is a consummate professional and one of the most intelligent and hardworking attorneys I know.drbernie67drbernie67 ★★★★★ I have had the pleasure of working with Diana Kost from Tona Law. She has been a tremendous help, and lives up to the Tona Law tradition of excellent service and professionalism.Jazmin HerreraJazmin Herrera ★★★★★ TonaLaw was so effortless and amazing. I can’t think of one negative thing to say.Dylan InghilleriDylan Inghilleri ★★★★★ I would highly recommend Dianna and her team for all your legal matters !Joseph GiuntaJoseph Giunta ★★★★★ Dianna and the Tonalaw team are fantastic.Will highly recommend!Karl MennoKarl Menno ★★★★★ Dianna was amazing! Best law team. Highly recommend them!!!Rebecca PattonRebecca Patton ★★★★★ Dianna and the Tona Law team are amazing.Highly recommend!Ed MayEd May ★★★★★ Thank you Dianna!Highly recommend Tona Law.Stacey ReischmanStacey Reischman ★★★★★ I’ve known Lauren for years, she is both professional, and kind. She truly cares about helping others.Jenny CariasJenny Carias ★★★★★ This place is very profesional, Dianna Kost is the best, super friendly very attentive… 100% RecomendedRachel RojasRachel Rojas ★★★★★ Fast replies, constant communication, friendly people.Ashley ElliottAshley Elliott ★★★★★ TonaLaw offers a wonderful scholarship opportunity for veterans. The staff I interacted with are friendly, responsive, and helpful. I appreciate all they do!Gregg GiambroneGregg Giambrone ★★★★★ I would highly recommend Tona Law. Great team!Dianna is a very professional and compassionate person.Denise BarnettDenise Barnett ★★★★★ Dianna and the team are top notch. I would highly recommend Tona Law.Avraham SedaghatAvraham Sedaghat ★★★★★ Everything was professional and well done. Helpful and pleasant to work with.Anthony RamirezAnthony Ramirez ★★★★★ Great experience… I had a accident with my newborn and didn’t have insurance at the time however I still reached out to see if TonalLaw could help me and despite being unable to get proper treatment The lawyers here were still able to get me a settlement!Erin TaubyErin Tauby ★★★★★ Very helpful and kind!Edgar VillasanteEdgar Villasante ★★★★★ Diana and her team operate with the highest level of transparency, integrity, skill and most importantly compassion. I strongly recommend Tona Law!Amy L. GellineauAmy L. Gellineau ★★★★★ I've known Dianna for three years, she is hardworking and professional. I would recommend Tona Law to anyone, because they get things done!ayla urulayla urul ★★★★★ I can safely say, I will be recommending TonaLaw to all of my friends and family as I know they will be taken care of. Dianna Kost is super professional, and always the best at what ever she does!Warrior InsightsWarrior Insights ★★★★★ Writing this in reference to Jeffrey Donato. He is extremely professional, and courteous. He is a man who is on a mission to help others, and see that everything turns out as it should. He has often gone over and beyond to see his clients happy, and in the know! Jeff is sharp, fair, and intelligent! I will always refer friends and family to this gentleman!Mike KostMike Kost ★★★★★ I met the Tona Law Team and their families on 'Family Fun Day.' They are all kind and strong-knit. Glad to know that my mother, Dianna, is in great hands. Know that your family will be, too. I will be recommending Tona Law Firm to family and friends.Jack PrubanJack Pruban ★★★★★ I highly recommend TonaLaw for their exceptional legal services and killer team. They were great!!jeremy floresjeremy flores ★★★★★ Great experience with this firmKurt KostKurt Kost ★★★★★ I would highly recommend Dianna and her Team for all your legal matters.Kevin CunninghamKevin Cunningham ★★★★★ I have dealt and met the exceptional staff at tona law and would trust them with my case and would highly recommend them to anyone looking for an exceptional experience. Every time I call, their receptionist Robin is outstanding she is always sweet and reassuring they have a great team that is caring and hardworking!Jennifer VillasanteJennifer Villasante ★★★★★ Dianna Kost is a fantastic addition to this firm. I have known her for over 27 years. She is always professional and efficient and demonstrates kind candor. I will support her and her team by recommending Tona Law to family and friends!Victor RodriguesVictor Rodrigues ★★★★★ Jordan GalloJordan Gallo ★★★★★ Tona Law is a reputable company. Juliet has been very professional. She always goes above and beyond.Tyrone ManriqueTyrone Manrique ★★★★★ Expertise is top notch. They will help you with your case till the end. Dianna Kost and her team are the best around.Kristina SilvaKristina Silva ★★★★★ Dianna Kost is a very hard working and motivated professional. She is very resourceful,thoughtful and kind. I will be referring Tona Law to everyone I know!!JaniceJanice ★★★★★ Audra LibertellaAudra Libertella ★★★★★ Great experience. Very helpful and professional. Thank you Dianna for your assistance. Would definitely recommend TonaLaw to family and friends 👍Mike GreenbergMike Greenberg ★★★★★ Megan McGinnMegan McGinn ★★★★★ Amazingly professional and caring staff. I trust them implicitly.Tom RyanTom Ryan ★★★★★ I found the staff in general, and Dianna in particular, to be very courteous and knowledgeable.frank montaltofrank montalto ★★★★★ Very helpful, willing to listen, and extremely professional. I would absolutely use them again in the future. I appreciate that they made me feel like I was their top priority, and always returned my calls in a timely manner.Matthew AronMatthew Aron ★★★★★ Several of my patients have been clients of Mr. Donato over the years and they have all been thrilled with his service. From his calming demeanor at the beginning of their case to his thoroughness throughout. I feel comfortable referring my patients and do so when the opportunity arises.Michele HowardMichele Howard ★★★★★ I have worked with Jeff Donato in the past and I find him to be very caring, compassionate and professional!!Debbie CruzDebbie Cruz ★★★★★ TonaLaw was recommended to me after I was injured in a car accident. Mr. Tona took the time to listen to the details of the accident and explain the process of the legal action. The professional staff including Jayda, Lauren and Michael are courteous and extremely attentive to all of my questions and concerns. It is clear that this law firm puts their client's needs first and customer service is a top priority. I would definitely use TonaLaw again and highly recommend them.peyton ambrosepeyton ambrose ★★★★★ Although we are in just the beginning process here with TonaLaw I can 100% with full confidence recommend this office to help settle any situation you may be in! Being in an accident having to deliver my daughter early, we’ve gone through a lot of bumps. Tona Law has been here for us through it all helping in every way possible. They are so extremely thoughtful. TonaLaw is not your average Law office, they truly care about you and yours and make it very known! Not only is our attorney Jeff Donato amazing, but my fiancé and I can say everyone in the office is as well. Being that we see the office truly works together as a team in order to help their client! We look forward to traveling this road with them!carolyn jansencarolyn jansen ★★★★★ Lauren McCormick acted as a liaison between The Jansen Group and one of our top arbitrators for a number of years. She is very detailed oriented. She has a great demeanor and was great to work with. I highly recommend Lauren for anyone looking for a hardworking, skilled and pleasant person to assist them with legal matters.Pam GhigliottiPam Ghigliotti ★★★★★ I have known Jeffrey Donato for years and would highly recommend him! Jeffrey is a wonderful, genuine individual who I greatly trust. I would always feel comfortable going to Jeffrey for legal advice.Dance Pointe Performing Arts CenterDance Pointe Performing Arts Center ★★★★★ Jeff Donato, as a very experienced attorney, has been nothing short of providing the most up to date legal help and advice to us in our experience working with him. You can always rely on his attention to detail and his client's needs. Through his diligent research, he provides the necessary resources to see matters through to the most favorable resolutions for his clients. You are in very good hands with choosing Jeff Donato to legally guide and represent you. I highly recommend.claire prattclaire pratt ★★★★★ Mr. Jeffrey Donato represented me in a personal injury case. He interviewed me at my home for hours to understand the case completely. He was totally professional, always keeping me informed of anything new with the case. He won our case and I have always had profound respect for the Attorney. Your Firm is very lucky to have him. Sincerely, Claire PrattStacy KlugStacy Klug ★★★★★ I have known Jeff Donato since 1993. He has always been professional and assisted myself and family with 4 lawsuits with positive outcomes. I highly recommend him for your legal needsKaren PaoliKaren Paoli ★★★★★ I known Jeffrey Donato for several years and he is a great asset to the firm, and he listens to every detail what you needRuthanne GadmanRuthanne Gadman ★★★★★ I had the pleasure of working with Jeffrey Donato! He is simply the best there is. He made me feel at ease and worked extremely hard to succeed in all I had asked of him. Truly an asset to this company, professional, and over all wonderful!!Samina BorgsSamina Borgs ★★★★★ I dont have enough good things to say about Tonal Law, absolutely everyone I've had the pleasure of meeting has been wonderful and knowledgeable.They took a huge weight off of my shoulders during one of the most difficult times in my life while they helped navigate me through this process.They truly do care about their clients and will advocate for the best resolution for you.Claudine CerasuoloClaudine Cerasuolo ★★★★★ There is no doubt, Jeffrey Donato is always my first choice, and Tona Law is where to find him! I have known, and have sought out his services, on multiple occasions in the last 20 years. He is reliable, easy to speak to, always confident in his work. Professional, while still being down to earth. His demeanor, work style and knowledge have been nothing less than stellar in my experiences! Tona Law is the place to meet your needs, for sure.kevin cliffordkevin clifford ★★★★★ Mr. Donato was an absolute pleasure to work with. In the years I have known him he has shown time and time again to truly understand the process and has an image ability to understand his client.Sara AuchenbaughSara Auchenbaugh ★★★★★ I've known Jeffrey Donato for years. He is professional and honest. I'd use him and Tona Law for my legal needs.JillJill ★★★★★ I have known Jeff Donato for many years . He has helped me with any legal questions I have had no issue. I would recommend him highly as he is professional and very attentive to your needs.Thomas NThomas N ★★★★★ I highly recommend attorney Jeffrey Donato, he truly helped me and my family during such a hard time. He was very accommodating and worked extremely hard to make sure that we were compensated from start to finish. He made a rough time a lot smoother, more than I could of ever imagined! Thank you Jeff for everything you have done for us!!If you are looking for an attorney, that goes above beyond, look no further, Jeff Donato will make sure all your needs are taken care of.James McCartneyJames McCartney ★★★★★ I have know attorney Jeff Donato for many years and he is an asset. I would absolutely use Tonalaw for my personal injury needs!Joe MazzilloJoe Mazzillo ★★★★★ We have known Jeff Donato for over 20 years. Anytime we have had any questions pertaining to a law issue he has been always nothing but professional and knowledgeable. We would go to TonaLaw for any personal injury matters or legal advice. Definitely recommended!!Andrea O'NeillAndrea O'Neill ★★★★★ Jeff Donato is an honest, hardworking person who I have known for 25+ years. He has always been and will be in the future my go to person. When my Dad was getting older I needed hep on what to do with his house and money so it did not go to the state, he helped me to find the right direction. He has always been professional and I never think twice about recommending Jeff to anyone who may need an attorney to hire or for honest advice. He has even helped me get in touch with people in other professions outside of an attorney .Steve NassoSteve Nasso ★★★★★ I’ve known Jeffrey Donato at TonaLaw for over 30 years and he represents a fantastic firm. I personally love how much work they do and support they provide their community. Every year they do a Veterans Scholarship and they were recently spotted at The Making Strides Against Breast Cancer Walk which is especially close to my heart. Kudos and keep up the good work!!Linda HlentzasLinda Hlentzas ★★★★★ Very happy to see attorney Jeffrey Donato at this firm. I worked with Mr. Donato for many years in another law office. He is very approachable,responsible and is extremely knowledgeable in all phases of personal injury. Top of my list if you need a personal injury lawyer! You will be satisfied!michaelmichael ★★★★★ Tona Law has been a blessing to me. The staff cares about you, I mean actually genuinely cares about you. In my experience working with Jayda, Jeff, Lauren, and Robyn (so much energy! Love it) I have been handled with love and empathy. They treated me like family and won me over. When I got home from surgery there was a box of cookies waiting for me, that is a team who cares. They call to see how you’re doing, they are more than attorneys, they’re good people I consider family at this point. God bless the Tona Law staff. Would highly recommend to everyone, God’s honest truth.Amy Beth (Amy Beth)Amy Beth (Amy Beth) ★★★★★ Tom Tona and his team are fantastic. They do a great job for their clients. Can't recommend them highly enough. Lauren McCormick was very helpful and knowledgeable with all of my questions and concerns.Athena DuranAthena Duran ★★★★★ Lauren McCormick is hardworking and such a sweet person dedicated to her career. Anyone is definitely in good hands with her!Walter CoppolaWalter Coppola ★★★★★ Marcus DiWorldMarcus DiWorld ★★★★★ Jayda is extremely thorough and friendly! A wonderful addition to a great teamJasper AlindoganJasper Alindogan ★★★★★ As far as paralegals go, Lauren McCormick knows her job inside and out and anyone working with her would benefit immensely from that. She is also one of the kindest and sweetest people I have ever met. TonaLaw is lucky to have such a great person as part of their family!Pamela SucatoPamela Sucato ★★★★★ Lauren is an amazing addition to this firm . I have worked with her over the years and she is always professional and efficient and pleasant to deal with . Good luck looking forward to working with you in the future .Pamela claims resolution servicesIan HysellIan Hysell ★★★★★ Lauren is one of the hardest working people I know.Melissa HysellMelissa Hysell ★★★★★ Lauren is a hardworking, loyal and dedicated individual.Mercedes IregbulemMercedes Iregbulem ★★★★★ Jayda goes above and beyond to make sure she helps everyone she speaks with. She is truly a gem! I would recommend TonaLaw’s services to anyone in need!Gregory AudigeGregory Audige ★★★★★ Jayda Brown is amazing to work with! She’s sweet, well informed, and overall just a huge help. If you’re looking for a hardworking and dedicated team, you won’t regret hiring TonaLawKathleen MontanizKathleen Montaniz ★★★★★ I know Andrew Ciccaroni personally, and in my time getting yo know him, I've always found him to be very knowledgeable on the law.Amber PalermoAmber Palermo ★★★★★ The professionalism and expertise of the TonaLaw team is unmatched. I’ve worked with Juliet and she was incredibly knowledgeable, friendly and I could tell that she cared about helping me. If you’re looking for a legal team that helps with you any problem, big or small, TonaLaw is a team you can trust.Rolanda SmithRolanda Smith ★★★★★ Choosing Tona Law is the best decision you could make! Everyone is so helpful and informative every step of the way. Jada is sweet, knowledgable, and always available to answer any questions and will make sure you feel like you're in good hands! I would recommend Tona Law to anyone looking for help with their personal injury mattersJames CunninghamJames Cunningham ★★★★★ They were so nice and gave me great advice!!Alison CiccaroniAlison Ciccaroni ★★★★★ I'm not a client but if I was looking for a law firm that is both trustworthy and knowledgeable in the law, I'd choose TonaLaw as I've discussed legal issues with one of their attorneys and he has shown extensive knowledge.Teresa MercurioTeresa Mercurio ★★★★★ I’ve known Andrew Ciccaroni personally for years. He trustworthy and attentive. Does the best job he possibly can with all the resources he has access to.js_loader