New York Car and Motorcycle Insurance Law

Required Minimum Bodily Injury/Death Coverage

  • $25,000 per person injured in any one accident and $50,000 because of the death of one person in one accident and $50,000 for two or more persons injured in any one accident and $100,000 for the deaths of two or more persons in one accident.

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Required Economic Loss/No-Fault Insurance Coverage.

  • This coverage pays for basic economic loss benefits, without regard to fault, up to a maximum of $50,000 per person. The benefits cover medical, rehabilitation, psychiatric, and religious healing expenses, as well as work loss of up to $2,000 per month for no more than three years. This No-Fault statute impairs an injured person’s ability to a sue a negligent driver. In order to sue, the injured person must suffer a “serious injury.” Under the statute, a “serious injury” means death; dismemberment; significant disfigurement; a fracture; loss of a fetus; permanent loss of the use of a bodily organ or member; significant limitation of use of a bodily function or system; or a medically determined injury or impairment of a non-permanent nature that prevents the person from performing daily activities for not less than 90 days during the 180 days immediately following the injury.

Uninsured Motorist (UM) Coverage.

  • UM coverage of $25,000 per person injured in any one accident and $50,000 for two or more persons injured in any one accident is required.

Optional Insurance Coverage

  • Supplementary UM and Underinsured Motorist (UIM) Coverage. A supplemental UM/UIM policy can be purchased up to the bodily injury liability insurance limits on the policy, with a maximum coverage of $250,000 per person injured in any one accident and $500,000 for two or more persons injured in any one accident. A single limit policy of $500,000 can also be purchased.
  • Additional Basic Economic Loss Coverage. Insureds have the option to purchase an additional $25,000 of coverage to be used to pay work loss and rehabilitation expenses after the $50,000 required economic loss coverage is exhausted.

Special Rules for Motorcyclists

  • The No-Fault statute does not apply to motorcyclists. Therefore, motorcyclists need not comply with the “serious injury” threshold in order to sue a negligent driver for injuries.

Need more information on state laws? Learn more about the laws where you live.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

Free Case Review
First Name
Last Name
Briefly describe your injuries