As a resident of New York, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
- Personal injury protection (PIP) may reimburse a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).
New York is a state where carrying no-fault insurance is mandatory. If you happen to get into a car accident, no-fault insurance will reimburse you for any hospital or medical expenses, wage losses from an inability to work, and if necessary, any funeral costs. No-fault insurance will cover these expenses regardless of who is responsible for the accident. It does not, however, cover any damage to your car.
Teen driving laws in New York
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in New York.
While certain steps are different between New York City and New York State, when a teenager turns 16, they can apply for a learner’s permit. After having a learner’s permit for at least six months, teens may apply for a junior driver’s license, followed by an unrestricted license once they turn 17 years old. You can learn more about being a young driver in New York here.