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In New York, you are required to have several types of car insurance. Luckily, you can get a discount on your car insurance premium just for taking a driver safety class.
New York mandates that all registered vehicles in the state carry the following:
Your liability car insurance policy must have the following minimums:
Liability car insurance only pays for accident-related damages and injuries you caused to someone else. Liability does not cover your own personal costs.
You can often obtain a discount on your insurance rates by taking a certified safe driving class.
New York also requires that you have no-fault coverage, which helps you with costs after an accident regardless of who was at fault
New York basic no-fault coverage includes a limit of $50,000 per person to cover the following:
No-fault insurance will cover your medical costs after an accident before your health insurance. If your medical costs exceed your no-fault coverage limit, your health insurance will then kick in.
In New York, you are also required to have uninsured motorists coverage to cover costs relating to injuries resulting from a car accident. The minimum uninsured coverage you must have for bodily injury is:
Uninsured drivers coverage will not cover property damage.
Licenses last eight years, with no special provisions for older drivers.
The Department of Motor Vehicles can re-evaluate a driver of any age based on a specific reason, such as a driving incident or action reported by a doctor, police officer or observer. It also can restrict licenses to such things as daylight driving only.