Understanding the key components of auto insurance.
New York is a "no fault" state
If you are in an auto accident in New York State, your medical bills will be paid by the vehicle you are in.
The exceptions are bicycles and pedestrians, school buses and people on the job which are different situations. New York State requires that no-fault coverage or personal injury protection be a minimum of $50,000 and wage loss $2,000 per month at a minimum. You can purchase coverage above these minimums.
When Someone Makes a Claim Against You
The part of the automobile insurance policy where someone makes a claim against you is called liability coverage for bodily injury. To enhance that coverage, you can also consider a homeowner's umbrella.
There is also Supplemental Uninsured / Underinsured Motorist Coverage. In the latter, if the lesser policy offers you a full tender and your coverage is higher, you may be entitled to compensation under this portion of your policy. This SUM part of the policy costs the least but may be the greatest benefit to you and your family. Insurance companies, however, never sell higher coverage in this category than that which you have under bodily injury. As a personal injury attorney I see the legal impact of decisions made regarding insurance coverage so my advice would be to consult with a lawyer to discuss the legal ramifications further.
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