09/01/2026
In New York, having car insurance is mandatory. But "having insurance" and "being properly covered" are not always the same thing. đźš—
New York's minimum requirements cover liability and basic personal injury protection. This means that if you cause an accident, the other party will have some coverage. But your own vehicle? The minimum typically doesn't protect it.
If your car is stolen, totaled in an accident, or hit by an uninsured driver, the minimum coverage leaves you responsible for the cost associated with your own vehicle.
Taking a few minutes to review your coverage is a smart move. A brief conversation with an agent could reveal a gap in your protection that you didn't know about.
đź“© Get a free policy review with an agent at Feltner.