• Make sure you understand the auto insurance laws in New York before getting behind the wheel.Police image by Zeno from Fotolia.com
  
  Auto insurance laws in New York provide protection for drivers by mandating certain insurance coverages so that other drivers are protected from you if you are involved in a car accident. This ensured fair compensation for damage to private property. Before you drive on any of the public roads in New York, you must understand some of the most common and basic auto insurance laws in the state.
  
  

Minimum Liability Insurance

• New York requires minimum liability insurance coverage. For example, you must carry $25,000 per person and $50,000 per accident for personal injury. You also must carry $50,000 coverage per person and $100,000 per accident in the event of death.
  
  

Uninsured Motorist Coverage

• You must carry uninsured/underinsured motorist coverage. This coverage is purchased to protect you from a driver who does not have enough insurance on his vehicle. This insurance will pay for damage done by other motorists if they can't pay for the damages. The minimum financial requirements are the same as for personal liability.
  
  

Property Damage Liability

• You must carry $10,000 for property damage liability. This coverage makes sure that any property that you damage will be paid for. You also must carry $50,000 for basic no-fault insurance. This insurance provides protection for situations in which no fault is assigned to either party involved in an accident.
  
  

Proof Of Insurance

• You must obtain proof of insurance before you can register your vehicle in New York. Proof of insurance must be kept with you in the car at all times in the form of an insurance card that you receive from your insurance company.