| If you don't have car insurance and yet you live in | | | | pay the same rates as the above. |
| New York city, there's bound to be some serious | | | | If you are wondering where and how to get the car |
| consequences that you have to deal with. The most | | | | insurance, understand that it is required by law that |
| obvious one is you will most likely get your car | | | | you get your insurance from a company that is listed |
| impounded and on top of that, you have to pay a | | | | and licensed by the New York State Insurance |
| hefty fine. To avoid this mess of a situation, educate | | | | Department. So you can forget about getting your |
| yourself on some essential things so that you will | | | | insurance from company that is listed outside New |
| have some car insurance answers in New York for | | | | York. |
| your many lingering questions. | | | | Once you select a policy, there will be a rather simple |
| In case you don't know it yet, the Department of | | | | clarification process that you will have to go through. |
| Motor Vehicles (DMV) in New York requires you to | | | | When you bought the insurance, the company you |
| have two kinds of insurance proof: the electronic and | | | | bought it from will have to electronically inform the |
| paper proof. Until you send DMV the complete two | | | | DMV about the purchase made. You will then be |
| forms of proof, the license plates won't be issued for | | | | issued a New York insurance ID card that you should |
| you. | | | | carry at all time in your car. |
| Another thing that you should know about car | | | | Don't forget to make timely payment on your |
| insurance in New York is the limit liabilities are much | | | | insurance. The insurance company can report you for |
| higher than other states. According to recent | | | | breaking the law to the DMV if there is a lapsed |
| regulation, the limit liability for personal injury is | | | | payment and they can slap a mighty fine. So it's |
| $25,000 per person and up to $50,000 per accident. | | | | important to always pay on time and update any |
| In the event of a death the limit is set at $50,000 | | | | changes that might occur when you switch insurance |
| per person and up to $100,000 per accident. | | | | companies. Don't get fined for something that you |
| Different from some states, uninsured motorist | | | | could easily avoid in the first place. |
| coverage is not optional at all and you are required to | | | | |