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New York car insurance rates, laws and regulator news.

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New York

New York is a no-fault state requiring 25/50/10 liability (50/100 for death), $50,000 of PIP and 25/50 uninsured motorist coverage.

Minimum liability25/50/10
Fault systemNo-fault — PIP pays up to $50,000 per person in economic losses regardless of fault; you can sue for pain and suffering only after a "serious injury" as defined in the Insurance Law
PIP requiredYes — $50,000 basic no-fault per person, covering medical and rehabilitation costs, 80% of lost earnings up to $2,000 a month for up to three years, and up to $25 a day for other necessary expenses, plus a $2,000 death benefit
Uninsured motorist requiredYes — at the 25/50 minimum for accidents in New York; supplementary uninsured/underinsured motorist (SUM) coverage is optional

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