(Vehicle Insurance) Liability protection
Property damage and bodily injury are the two categories of liability coverage that your insurance policy needs to cover if you live in New York.
In the event that you are held legally accountable for a covered accident, property damage protects your assets. It covers specific harm you might do to someone else’s property or car.
If you are judged legally responsible for a covered accident, bodily injury protects your assets, including any costs related to bodily harm suffered by the other parties.
A portion of lost wages, medical costs, and costs for necessary services incurred as a result of an accident may be covered by personal injury protection (PIP) for qualified injured parties (i.e. passengers or pedestrians).
No-fault coverage
It is required to have no-fault insurance in the state of New York. No-fault insurance will pay for any hospital or medical bills, lost wages from being unable to work, and, if necessary, any funeral costs if you are in a car accident. Regardless of who caused the collision, no-fault insurance will pay for these costs. But it doesn’t cover any harm to your car.
New York’s teen driving regulations
Young drivers can’t wait to get on the road and enjoy that type of liberty for the first time. It’s crucial to understand New York’s new driver laws in order to ensure everyone’s safety on the road.
While some procedures change between New York State and New York City, a kid can apply for a learner’s permit when they reach 16 in both places. Teenagers can apply for a junior driver’s license after holding a learner’s permit for at least six months; once they become 17 years old, they can then apply for an unrestricted license.
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 limit per person/$50,000 limit per accident |
| Property damage liability | $10,000 limit |
| Uninsured motorist | $25,000 limit per person/$50,000 limit per accident |
| Underinsured motorist | Grouped with uninsured motorist coverage |
| Personal injury protection | $50,000 limit |
| Collision | Not required |
| Comprehensive | Not required |
By requesting a quotation online or chatting with your local agent, you can learn which reductions can be applied to your policy. There are a variety of auto insurance discounts that can help lower your monthly rate; you might be qualified for the following special discounts:
Kinney Insurance Agency is an independent insurance agency that serves the communities of Hudson Falls and Galway in New York. They offer a variety of insurance services, including vehicle insurance, personal and commercial insurance, life insurance, and financial services.
As an independent agency, Kinney Insurance Agency can provide their clients with access to multiple insurance carriers, which allows them to find the most cost-effective vehicle insurance coverage options for their clients. Their experienced agents can help clients understand their insurance needs, evaluate their risks, and find the best insurance coverage to meet their unique needs and budget.
If you live in the Hudson Falls or Galway area and are in need of insurance services, you may want to consider working with Kinney Insurance Agency. Their local presence and commitment to providing high-quality customer service can make them a valuable resource for individuals and businesses looking for insurance coverage.