If you already have a policy with higher liability limits, it will provide you with coverage when you rent a car. The New York Department of Motor Vehicles (DMV) has a system, called the Insurance Information and Compliance System (IIES), that detects uninsured vehicles. If you decide to sue someone else, your insurer, under its own policy, is not required to provide or pay for an attorney that you want or need to pursue your claim against another party. The cheapest car insurance companies in New York are Geico, Progressive, and USAA, and getting quotes from several companies can help you find the best deal.
This provides the same limits as uninsured drivers, but extends coverage to accidents that occur outside of New York State. This mandatory coverage applies only to bodily injuries due to accidents that occurred in the state of New York and does not cover damage caused by the car body or damage to other property. It also covers any passenger who has been injured in an accident in the state of New York while in their vehicle, as well as any passenger who is a resident of the state of New York and who has been injured in their vehicle anywhere in the United States, its territories and possessions, or Canada, if not covered by another auto insurance policy in the state of New York. Your insurance company pays up to the limit specified in your policy for each type of car insurance coverage.
Driving safely, following traffic laws, and maintaining a clean driving record are the best ways to keep your insurance costs low. If someone in your car is injured by the driver of an uninsured vehicle or by a motorist who crashes, you must file a claim with your auto insurance company under this coverage. In addition to the required liability, PIP and uninsured motorist coverages, there are other coverage options that may benefit you. You have the right to sue the other party involved in the car accident for pain and suffering, only if you suffered a “serious injury,” as defined in the Insurance Act.
Absence of fault is also paramount to health insurance, meaning that you pay first in case the injury is due to a car accident. Car rental companies can sell a collision damage exemption (CDW), also known as optional vehicle protection (OVP). New York is a no-fault insurance state, requiring drivers to purchase personal injury protection (PIP) coverage.