New York Auto Insurance

These days auto insurance is a must to have things in every vehicle holders life. No body knows when a misfortune can arise and take away many lives and property. In this regard an auto insurance policy could be the best ultimate solution for vehicle holders. To obtain a safe drive in New York, you need to have New York auto insurance. There are so many auto insurance service providers available in New York but you need to choose the right service provider who can provide you service when you need it most. You also need to do some better research to find the right coverage.

Requirements of New York auto insurance

There are number of requirements need to be fulfilled if you want to obtain New York auto insurance. These requirements are make sure both the insured and insurer that they get fully covered to prevent any misfortune to happen. Like every state New York has also some rules and regulation to follow to achieve auto insurance. To enforce the requirements, the law in New York City demands some rules and regulations to be strictly followed by anyone who want to have auto insurance in their name. If the conditions are not fulfilling, then any ownership will be refused legally. It is quite a good solution to consult an auto insurance specialist when you are looking for auto insurance in this state. The drivers are requiring to be ensures five different coverage in their name to make sure for a safe driving. The types of coverage are:

• Bodily injury coverage
• Death coverage
• Economic or well being loss
• Personal injury protection
• Uninsured motorist protection

If the drivers of New York do not meet these requirements their hope of owing or buying a car will be vanished. The property damage coverage of New York is means a lot to the drivers. It protects the owner's property that getting damaged due to an accident caused by the insured car owner's auto mobile. Economic and Well Being Loss cover is a very vital coverage required by New York Auto insurance. This is also known as no fault coverage because it saves the car owner from probable financial unconsciousness that is cause by the injured party who demand compensation. You can not imagine, compensating you someone in this situation without having 'no fault coverage'. You could have to face financial disaster by paying any amount demanded by a court ruling. Personal injury protection is also another major coverage need in the city of New York. This type of coverage will help you to cover the medical cost required for treatment.

New York Auto Insurance

Laws for New York Auto insurance

Auto insurance laws are implemented in every state to protect customers as well as providers in the event of claim or loss. There are also some laws the motorists of New York have to follow in respect to drive car safely in the city. The New York auto insurance department implements several laws regarding to the health and property of the citizens. The department also offers resources for customers to know how auto insurance laws affect them as a motorist. The state of New York advised all motorists to have liability insurance for their vehicles. Drivers of New York will not be able to register their car if they don't have the minimum insurance coverage. They even don't able to get a license plate without the liability coverage. According to the law of New York the drivers also have to carry no fault insurance to save their medical expenses as a result of an auto accident. As per the law the drivers has to carry minimum coverage of $25,000 per person, $50,000 liability for per accident for bodily injury and $10,000 per accident. This is often denoted to the public by 25/50/10 coverage. Insurance to save against uninsured motorist is also need bodily injury limits of $25,000 per person and $50,000 per accident. Motorist that rent vehicles in the sate of New York, they don't need to buy insurance provided by car rental companies. Insurance companies in New York offer additional coverage with an additional premium such as PIP coverage can be extended up to $100,000 per accident. Supplemental uninsured and underinsured coverage are can be a good option for consumers. This coverage is start up to $250,000 per person and maximum coverage to $500,000, per accident.

New York residents can also purchase collision and comprehensive coverage to protect drivers against damage to their vehicles. Collision coverage will cover the damage if the vehicle collides with another vehicle or object. The comprehensive coverage will cover the damage if the vehicle face incident such as theft, vandalism or glass breakage. The state of New York has the minimum or mandatory insurance values fixed and every drivers or vehicles owner have to fulfil the minimum requirement to drive legally in the road. It is also noticeable that the state of New York uses no fault system that means the insurance companies have to bear the payment for your claims, even if the fault is on the other side. During the year 2003, the average auto insurance rate in New York City was $1,313 where the national average was $914. Many people thin k that the auto insurance rates are fixed so they can not do anything about it. However, it is also necessary to remain up to date with the current market to get the best insurance coverage in best price. Proper researching over the internet will give you guide to find the most competitive rates. As per the statics the auto insurance rate has been decreased in the year 2011 comparing to 2009 and 2010. There are many websites that can help you to get the most competitive New York auto insurance rates and also help to minimizing your efforts by showing the best quotes directly to you.

DUI/DWI laws of New York

Under the New York DWI law an individual is charged when his or her blood alcohol content is found more than .08% and other evidence of drunkenness. Any driver who refused to have chemical test his or her driving license will be revoked for one year by the law enforcement officer. The DWI penalties in New York are very severe. The first offense in DWI, the individual have to give fine between $500 to $1,000, one year jail and loss of license for at least 6 months. The second time offense under DWI laws the guilty person has to give fine $1,000 to $2,500, jail up to one year and license revoked for at least one year.