Car Insurance in New York City
If you don't have car insurance and yet you live in New York city, there's bound to be some serious consequences that you have to deal with.
The most obvious one is you will most likely get your car impounded and on top of that, you have to pay a hefty fine.
To avoid this mess of a situation, educate yourself on some essential things so that you will have some car insurance answers in New York for your many lingering questions.
In case you don't know it yet, the Department of Motor Vehicles (DMV) in New York requires you to have two kinds of insurance proof: the electronic and paper proof.
Until you send DMV the complete two forms of proof, the license plates won't be issued for you.
Another thing that you should know about car insurance in New York is the limit liabilities are much higher than other states.
According to recent regulation, the limit liability for personal injury is $25,000 per person and up to $50,000 per accident.
In the event of a death the limit is set at $50,000 per person and up to $100,000 per accident.
Different from some states, uninsured motorist coverage is not optional at all and you are required to pay the same rates as the above.
If you are wondering where and how to get the car insurance, understand that it is required by law that you get your insurance from a company that is listed and licensed by the New York State Insurance Department.
So you can forget about getting your insurance from company that is listed outside New York.
Once you select a policy, there will be a rather simple clarification process that you will have to go through.
When you bought the insurance, the company you bought it from will have to electronically inform the DMV about the purchase made.
You will then be issued a New York insurance ID card that you should carry at all time in your car.
Don't forget to make timely payment on your insurance.
The insurance company can report you for breaking the law to the DMV if there is a lapsed payment and they can slap a mighty fine.
So it's important to always pay on time and update any changes that might occur when you switch insurance companies.
Don't get fined for something that you could easily avoid in the first place.
The most obvious one is you will most likely get your car impounded and on top of that, you have to pay a hefty fine.
To avoid this mess of a situation, educate yourself on some essential things so that you will have some car insurance answers in New York for your many lingering questions.
In case you don't know it yet, the Department of Motor Vehicles (DMV) in New York requires you to have two kinds of insurance proof: the electronic and paper proof.
Until you send DMV the complete two forms of proof, the license plates won't be issued for you.
Another thing that you should know about car insurance in New York is the limit liabilities are much higher than other states.
According to recent regulation, the limit liability for personal injury is $25,000 per person and up to $50,000 per accident.
In the event of a death the limit is set at $50,000 per person and up to $100,000 per accident.
Different from some states, uninsured motorist coverage is not optional at all and you are required to pay the same rates as the above.
If you are wondering where and how to get the car insurance, understand that it is required by law that you get your insurance from a company that is listed and licensed by the New York State Insurance Department.
So you can forget about getting your insurance from company that is listed outside New York.
Once you select a policy, there will be a rather simple clarification process that you will have to go through.
When you bought the insurance, the company you bought it from will have to electronically inform the DMV about the purchase made.
You will then be issued a New York insurance ID card that you should carry at all time in your car.
Don't forget to make timely payment on your insurance.
The insurance company can report you for breaking the law to the DMV if there is a lapsed payment and they can slap a mighty fine.
So it's important to always pay on time and update any changes that might occur when you switch insurance companies.
Don't get fined for something that you could easily avoid in the first place.