New York Car Insurance Quotes

A no fault system for auto insurance is followed in the state of New York which means an insurance company will pay your medical expenses regardless of who is at fault in an accident.  The minimum requirements for New York auto insurance is $25,000 per person, up to $50,000 per accident for bodily injury liability as well as the same amounts for uninsured/underinsured motorist bodily injury coverage.  The minimum personal injury protection limit is $50,000 and the property damage liability must be at least $10,000.
If you are involved in an accident in the state of New York, it is required by law, to exchange information with the other driver(s) if the accident only caused property damage.  If the damage caused will cost over $1,001 to repair, all drivers in the accident must file a form MV-104 with the DMV within 10 days of the accident.  If a person is injured in the accident the policy must be notified and both the drivers and police must file a report with the DMV.  The driving records of all involved drivers will show the accident however it does not indicate who was at fault.  Also if you receive an out of state moving violation, it will not be recorded on your New York state driver license records or carry points (the exception is Ontario and Quebec, these will be recorded on you NYS drivers record).
When applying  to register a vehicle, you must show an original NYS identification card as well the insurance company must also send an electronic notice to the DMV indicating your insurance coverage.  To verify that you have insurance coverage you must have both.  The insurance identification card must also be shown at the DMV office within 45 days of issue, you will be given two originals one is for you and the other is to be kept with the DMV.  If you move to another state, you must immediately surrender your New York state plates to the DMV by mail to prevent your registration and license from being suspended.
The rules and regulations regarding owning and driving a vehicle vary from state to state and it is important to know the system in your state.