The state of New York requires auto liability insurance in Suffolk County NY for all local residents. According to New York law, residents of Suffolk County must maintain three different types of insurance. The first of these is the auto liability coverage. Auto liability coverage must be held by every New York driver in the amounts of
•$25,000 for injuries to one individual in an auto accident caused by the policy holder
•$50,000 for injuries to more than one person in an auto accident caused by the policy holder
•$50,000 for the death of one person by auto accident, if caused by the policy holder
•$100,000 for the death of more than one person by auto accident, if caused by the policy holder
•$10,000 for property damage in an auto accident caused by the policy holder
The amounts of Auto Liability Insurance in Suffolk County NY listed above are only the minimum levels according to New York state law. Click here to find out whether that amount will be sufficient. Many people like to purchase more than the minimum required to be sure that they are covered in case of a serious accident.
New York drivers must also hold no-fault insurance and uninsured motorist coverage. Both of these coverage types are designed to help defray costs to the policy holder if they are injured or suffer from property damage in an accident. While liability coverage only pays for damages to others, no-fault coverage and uninsured motorist coverage can help the policy holder themselves. This is especially helpful in cases where an accident occurs, but the responsible driver does not have any insurance or does not have enough insurance to pay for all of the damages that they caused. In a case where the injured person holds no uninsured motorist coverage, they would get stuck with the bills related to the accident.
No fault coverage is there to pay expenses no matter who caused the damages. This type of coverage pays for medical expenses before any private medical insurance starts to pay. Once the no fault coverage is exhausted, a victim can use their medical insurance to pay for any other damages.
