Auto Insurance

Being a responsible motorist goes beyond maintaining your vehicle and following traffic laws. You also have an obligation to protect yourself and your fellow motorists from the financial ramifications of accidents. That translates to purchasing an auto insurance policy. We at Premium Brokerage Services Inc. can offer comprehensive auto insurance policies to all motorists in New York.

It should be no surprise that car insurance is required in The Empire State. Learning about a policy before purchasing is important and getting insurance beyond the minimums is smart.

Why Do You Need Auto Insurance in New York?

Your priority as a New York motorist should be to secure your auto insurance policy. Why should it be your priority? Well, driving would not be an option if you don't have insurance. Auto insurance is a prerequisite for registering your vehicle in New York.

Driving without car insurance in New York can also lead to the DMV suspending your license and registration. You may also be hit with a fine and incarcerated. The authorities may also send your car to the impound lot, which could lead to more expenses.

Auto insurance can also protect you from potentially hefty lawsuit payouts. Car accidents are common in New York State because of its crowded roads. Avoid financial ruin due to one of those accidents by fulfilling your obligations as a motorist.

What Are the Minimum Auto Insurance Requirements in New York State?

Minimum auto insurance requirements in New York State dictate that your policy must allot $25,000 in bodily injury coverage per person and $50,000 total per accident. It should also reserve $50,000 for the death of a single person and $100,000 total for two or more people involved in the crash. The policy must also provide $10,000 in property damage coverage for every incident.

Aside from liability insurance, New York motorists should secure basic personal injury protection and uninsured motorist bodily injury coverage. Make sure all those policies are in your plan before finalizing your purchase.

Taking to the road without auto insurance is never a good idea. Contact us at Premium Brokerage Services Inc., and we'll provide your comprehensive plan. Please stop by our office in New York, and let's discuss the terms of your policy!