posted 30/09/09

New York Auto Insurance - Save Money Now!

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New York automobile insurance laws:

$25,000 Bodily Injury Liability; $50,000 for an injury causing death; $50,000 for an injury of two or more people in the other party; $100,000 death of two or more people of the other party, $25,000 Uninsured Motorist insurance coverage; $50,000 max $50,000 minimum Personal Injury Protection $10,000 minimum Property Damage Liability

New York’s no-fault system states that each party pays for their own injuries, no matter who caused the wreck. Personal Injury Protection will cover medical help for the driver, passengers, and any pedestrians who were struck by the vehicle during the crash.

If Personal Injury Protection insurance coverage will pay for each party’s needs, why must New Yorkers also possess Bodily Injury Liability Insurance? If another party takes out a lawsuit, claiming you were at fault for an accident, your Property Damage Liability and Bodily Injury Liability should cover those costs. In order to file a lawsuit over an car accident in New York, one’s injury must be deemed “serious”, or costs must exceed the Personal Injury Protection insurance coverage.

In order to register a vehicle in New York, you must show a valid coverage card and have your vehicle coverage company send an electronic file to the DMV. If any lapses in coverage occur, the Department of Motor Vehicles will send a notice through the mail. If you know your coverage will lapse for any reason, you must give your license plates to the Department of Motor Vehicles in order to avoid suspensions. Additionally, all New York vehicles must be insured by a vehicle coverage company that is authorized by the New York coverage Department.

If your car insurance lapses for less than 90 days, you may opt to pay a penalty rather than submit your license plate. For the first thirty days you will pay eight dollars per day. The next thirty days will bring a charge of ten dollars a day. From then on until day 90, the charge will by twelve dollars a day. This means you could end up paying $900 in fees.

Instead of constantly worrying about fees and surrendered license plates, stay organized and find car insurance at a great cost! Searching for vehicle coverage on the web is the easiest way to compare prices. Some online sites will give you many price quotes, which is the The majority efficient way of shopping for vehicle coverage. While searching for price quotes, don’t forget factors like age, profession, driving record, security features, and credit rating can all play a part in lowering your payments. Happy insurance shopping!

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posted 23/09/09

Kathy’s NY Car Insurance Quote

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by Ricardo Liguriano

Because the state of New York is a what is commonly referred to as a “no fault” state, it is important to make sure that people are fully aware of the laws and regulations that are applied to obtaining auto insurance.

Researching a car insurance quote NY should be done with an open mind and the commitment to find the best deal for the best price.

There are a few things that go into researching a car insurance quote NY. New York is a “no fault” state. Because of this all drivers are required to purchase what is called a personal injury protection plan.

There are not many other states in the country that have the same no fault policy, so it is not something that a lot of people know a lot about. Again, it is something that needs to be well researched. This personal injury protection plan is to cover your medical liability and expenses should a situation arise. The only downside is that with the rise in medical coverage in this economy, your policy probably will more than likely be insufficient to cover all of your medical expense, but it is a start.

The state of New York has seven different locations for the New York State Insurance Department. The New York State Insurance Department is more than likely your best bet to finding the most current and the most accurate information possible. The department has plenty of trained professionals that can assist you with the knowledge of what to do and where to go from here.

Unfortunately, she would only qualify for a military discount if she was on her father’s policy and she was living in his home. Because, neither of those things are the case, she does not qualify.

There are a few things that are not required, but come highly recommended that New York motorists have. One of those things is collision/comprehensive insurance for your vehicle. On the other hand, a few things are required by law such as uninsured/under-insured motorist insurance. It is important to know exactly what you need and what you do not need.

Being a New York driver is a privilege, one that ought to be taken seriously. If you do your research, you will get a great deal and a great price!

About the Author:
Ricardo Liguriano is a professional author who specializes in free quotes for auto insurance and car insurance quotes in New York.
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