09/24/2026
One of the top things clients ask me is: "What are the mandatory minimums in NY, and is state minimum enough?"
While NYS requires specific Personal Injury Protection (PIP) and liability limits to legally drive, relying only on the bare minimum can leave you exposed if the unexpected happens. In an accident heavy area like Buffalo, having the right limits matters immensely.
Want to know a scary secret about New York auto insurance?
The state minimum limits ($25k/$50k/$10k) haven’t fundamentally changed in decades. But hospital bills, vehicle repair parts, and legal fees? They’ve skyrocketed.
At Larsen Insurance, we always recommend our WNY clients carry at least 100/300 liability limits.
Why? Because if you cause an accident and someone is seriously injured, a $25,000 limit vanishes in a heartbeat. Once your insurance runs out, you are personally on the hook for the rest of the lawsuit.
Plus, bumping up your limits unlocks vital Supplementary Uninsured Motorist (SUM) coverage to protect you from other drivers who are driving under-insured.
The best part? Upgrading to real, meaningful protection is usually much cheaper than you think. Let's look at your policy together so you aren't left exposed on Buffalo roads.
Send me a DM or call our office today for a fast, free policy checkup!
#𝖯𝗋𝗈𝗍𝖾𝖼𝗍𝖸𝗈𝗎𝗋𝖥𝖺𝗆𝗂𝗅𝗒
