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

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Amber PalermoAmber Palermo
17:50 23 Dec 22
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.
Regan moriartyRegan moriarty
16:49 23 Dec 22
The TonaLaw team is full of wonderful and hardworking people. I have personally worked with Juliet and she is excellent. You can tell she truly cares about the work she is doing. Highly recommend.
Elizabeth MartinezElizabeth Martinez
15:42 16 Dec 22
I can not be thankful enough for the amazing experience Tonalaw has given me from the very beginning. If you are looking for a lawyer who truly cares about your case then TonaLaw is for you. The amount of time and dedication they put in a case really shows how above and beyond they go. Not to mention how sweet everyone is really makes it a pleasure to work with TonaLaw.
Beatrice CestaroBeatrice Cestaro
22:06 14 Dec 22
I am extremely satisfied and happy to have chosen Tonal Law . The whole experience was flawless And I had absolutely no issues throughout the entire process. Everyone was so helpful and on time with everything, answered any questions I had, and we’re always easily available if I had any concerns. I basically did not have to lift a finger or do absolutely anything at all but answer a few questions. I put my full trust into Tona Law and I’m happy I did so. Would for sure recommend to any of my family and friends.
Anita AbramsAnita Abrams
21:14 05 Dec 22
Tona Law was an absolute pleasure to work with. As a local ART and Custom Framing resource, we helped to enhance their new offices, with beautiful and sophisticated, well curated artwork. Tom and his team were closely involved in all of the selections, and the environment is warm and friendly, as a result. Everyone at Tona Law, is considerate and professional.
Dawn DemartinoDawn Demartino
16:25 11 May 22
From start to finish I was informed every step of the way of the status and updates of my case… the time and steps taken to resolve my case in the best possible outcome was just one of the many great things Tonalaw provided. Personal care and commitment is top notch. Thank you !!
Louis B.Louis B.
15:27 08 Apr 22
Over the last few years Tona Law has guided me through the process with clear communication throughout. They are truly a client advocate and will do everything in the best interest of the client. Cannot thank them enough for all their work done for me.
Richard WoolleyRichard Woolley
19:49 26 Mar 22
Tom Tona and his team are fantastic. They do a great job for their clients. Can't recommend them highly enough.
Stacy LofredoStacy Lofredo
23:41 24 Mar 22
Tona Law has simplified no fault medical billing in a way that allows staff to effortlessly navigate through what could be a confusing process. Their staff is knowledgeable and responsive that we never have to worry about the ever-changing regulations because they are on top of keeping up to date with any changes in keeping their clients informed which is priceless!
Ruben ReyesRuben Reyes
15:29 13 Aug 21
They responded right away and were very professional. Brittany Reyes was very helpful. Thank you for your help
Randy RodriguezRandy Rodriguez
03:24 09 Aug 21
Would highly recommend if anyone is seeking any legal advice!