Each state has basic requirements.  New York car insurance is no exception.  It is important to have at least the basic coverage no matter what state you are in.  In the event of an accident it is vital to have protection, and insurance provides this.  If, however, you live in New York, or are planning to move there, it is important to know what is required for New York car insurance.

There are certain minimum legal coverages for New York car insurance.  These are called legal liability requirements.  First, any automobile you own or drive, should have at least four areas covered:

1.  Bodily Injury Liability – This covers other’s unjuries, if not on your policy, but not yours.

2.  Liability Coverage for property damage – New York car insurance will cover you in the event another person’s property is damaged while you are driving, such as hitting a mailbox, running through someone’s hedge thereby causing damage, hitting and breaking a street sign, or damaging a car. There is about a $15,000 limit.

3.  Uninsured Motorist - You must, according to New York car insurance, carry this.  This will cover medical cost, loss of pay, and other damage to people in your vehicle as well as for yourself, especially if the other driver doesn’t have insurance or has very little insurance.