{"id":65,"date":"2026-01-30T12:00:00","date_gmt":"2026-01-30T18:00:00","guid":{"rendered":"https:\/\/www.rowledge.com\/blog\/?p=65"},"modified":"2026-01-13T09:16:44","modified_gmt":"2026-01-13T15:16:44","slug":"do-you-need-auto-insurance-in-new-york","status":"publish","type":"post","link":"https:\/\/www.rowledge.com\/blog\/do-you-need-auto-insurance-in-new-york\/","title":{"rendered":"Do You Need Auto Insurance in New York?"},"content":{"rendered":"<p>New York is a no-fault state, meaning that both people have to pay for their own damages. However, that doesn&rsquo;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.&nbsp;<\/p>\n<h2>Coverage Limits<\/h2>\n<p>Policies are legally required before you take any vehicle on the road. Every driver must have certain minimum amounts of the following coverages:&nbsp;<\/p>\n<ul>\n<li>Property damage liability<\/li>\n<li>Bodily injury liability<\/li>\n<li>Uninsured motorist coverage<\/li>\n<li>Personal Injury Protection (PIP)<\/li>\n<\/ul>\n<p>These requirements are designed to protect you and others in the event of an accident.&nbsp;<\/p>\n<p>Often, you&rsquo;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&rsquo;t provide enough coverage for damages. These limits are the minimum required by law, but you can work with Rowledge &amp; Falvo Insurance Agency to obtain higher coverage limits.&nbsp;<\/p>\n<h2>What If You Don&rsquo;t Have a Policy?<\/h2>\n<p>Getting caught without proper coverage in Scotia, NY can have devastating consequences. You&rsquo;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&rsquo;t have ample savings to cover the damages.&nbsp;<\/p>\n<p>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.&nbsp;<\/p>\n<p>Rowledge &amp; Falvo Insurance Agency agents will work with you to secure a policy that meets your needs. Contact us today to learn more.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New York is a no-fault state, meaning that both people have to pay for their own damages. However, that doesn&rsquo;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.&nbsp; Coverage Limits Policies are legally required before you take any [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[28,25,21,14,20],"class_list":["post-65","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance","tag-ny","tag-rowledge-falvo-insurance-agency","tag-scotia"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/65","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/comments?post=65"}],"version-history":[{"count":1,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/65\/revisions"}],"predecessor-version":[{"id":66,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/posts\/65\/revisions\/66"}],"wp:attachment":[{"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/media?parent=65"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/categories?post=65"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rowledge.com\/blog\/wp-json\/wp\/v2\/tags?post=65"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}