Insurance in New York

Minimum auto liability required

Bodily injury, per person	$25,000
Bodily injury, per accident	$50,000
Property damage	$10,000
Personal injury protection (PIP)	$50,000
Uninsured motorist	25/50
Fault system	No-fault

Written as 25/50/10. Higher limits of $50,000 per person and $100,000 per accident apply where an accident causes death.

New York requires three coverages, not one: liability, $50,000 PIP, and uninsured motorist. That is more than most states.
Uninsured motorist coverage at 25/50 is mandatory and cannot be rejected.
PIP at $50,000 is among the highest required in the country. Many no-fault states require far less.
Supplementary uninsured/underinsured motorist (SUM) coverage is optional but widely recommended, since the required UM limits are low.
To sue for pain and suffering you must meet the state's serious injury threshold. Soft tissue injuries alone usually do not qualify.
The DMV monitors coverage electronically. Even a short lapse can suspend your registration.

Complaint records for insurers, ranked by how often they are complained about relative to the policies they write.

New York State Department of Financial Services · 1-800-342-3736
Contact them to verify a licence or file a complaint.