New York is a no-fault state, meaning that both people have to pay for their own damages. However, that doesn’t mean you can get away with not having auto insurance in Scotia, NY. In fact, the state actually has higher standards than some at-fault states.
Coverage Limits
Policies are legally required before you take any vehicle on the road. Every driver must have certain minimum amounts of the following coverages:
- Property damage liability
- Bodily injury liability
- Uninsured motorist coverage
- Personal Injury Protection (PIP)
These requirements are designed to protect you and others in the event of an accident.
Often, you’ll speak with your policy provider to handle medical expenses and lost wages. However, drivers can still sue the other person if their PIP doesn’t provide enough coverage for damages. These limits are the minimum required by law, but you can work with Rowledge & Falvo Insurance Agency to obtain higher coverage limits.
What If You Don’t Have a Policy?
Getting caught without proper coverage in Scotia, NY can have devastating consequences. You’ll be responsible for the financial aspect of the accident, such as your own lost wages and medical bills. This can cause extreme financial hardship if you don’t have ample savings to cover the damages.
There are several legal consequences as well. You may face fines and reinstatement fees. The state can also revoke your license, leaving you stuck in a vicious cycle of driving without a license and then getting caught. This cycle ultimately leads many people to jail.
Rowledge & Falvo Insurance Agency agents will work with you to secure a policy that meets your needs. Contact us today to learn more.
