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No Fault Car Insurance Policy New York NY

Reader’s Question:

I just started working here in New York. Since I terminated my car insurance in the other state when I lived before and planning to get a new one here, I’m a little bit flustered since every state has different laws with car insurances. What are the differences of the law here in New York in other state?

Justin

Brookhaven, NY

The cost of not having a car insurance are unquestionable in today’s lifestyle, since we will not be able to afford a vehicle repair or medical expenses if we had either a minor or major accident on the road. You have to at least know the basic requirements of the consumer’s state of residence.

Since New York is a “no-fault” state, it only means that when an accident occur both parties have to pay for the damages settled by both of their Car Insurance Company for neither of them are held accountable of the accident. With this law, it had shrunk the number of charges and had brought drivers to be attended to immediately as this has intended to do. If you have the Personal Injury Protection (PIP), it will cover all your expenses in terms of medical care. PIP doesn’t only cover all the medical expenses but also lost wages that resulted due to the accident. If worse comes to worst, it also pays for the funeral expenses if there is a need. But even there is this “no fault” policy, if the other’s car insurance policy is not enough for all medical expenses, the other should pay for the excess.

Tags: auto insurance, car insurance policy