New York auto insurance is based on the negligence law of pure comparative. What this means is that if you are found to be 51% or more negligent in an accident then you will be coded as negligent in an accident and your auto insurance rates will likely go up. New York auto insurance laws make it possible for an accident to have more than one party be negligent for an accident, so, what does this mean?

First, this means that if an accident is any percentage the responsibility of either party, New York auto insurance laws require that auto insurance company pay for the repairs to the other’s vehicle for the percentage their driver was negligent. Basically a 50-50 accident with New York auto insurance means that both parties are going to take care of 50% of the repairs to the other party’s vehicle.

If an accident is 60-40 then the party that is 60% responsible is negligent and that driver’s auto insurance pays for 60% of repairs to the other vehicle, according to New York auto insurance law. The party that is 40% responsible is considered to be fault free as far as insurance rates go, but has to pay for 40% of the repairs to the other party’s vehicle.

New York auto insurance laws make it so that the auto insurance companies are the ones that get to make the determination of who was at fault, taking that responsibility from the busy lives of law enforcement officers.

New York auto insurance liability limits are set, like any other state, to insure that regardless of who you may get in an accident with, they have the coverage to pay for your damages if they are negligent. Those who don’t adhere to the New York auto insurance liability laws are subject to legal action, including being sued for damages. Below is the New York auto insurance liability limits with a brief summary of what each means.

All liability limits with New York auto insurance or any other auto insurance are listed in BIPD format, separated with slashes, like 25/50/10. New York auto insurance does demand minimum liability limits of 25/50/10, meaning:

Bodily Injury limits of $25,000 and $50,000 refer to how much you could expect from your auto insurance company to pay for another vehicle’s damage that you caused. If you caused an accident your auto insurance company would pay for up to $25,000 for injuries to one person in another vehicle, up to $50,000 for all passengers in that vehicle.

Property Damage liability limit of $10,000 means that your auto insurance company would pay for up to $10,000 in damages to the vehicles you damaged in an auto accident.

New York auto insurance law demands that you hold at least these limits for your vehicle, but for the price it is worth it to go a little higher. Vehicles and medical bills are more than ever these days and you don’t want to be in a bind.

New York auto insurance offers uninsured motorist coverage for bodily injury, but there is no option for uninsured motorist property damage coverage. If you are hit by an uninsured motorist and have property damage then New York auto insurance laws don’t offer you any relief.