| New York auto insurance policies are necessities for | | | | getting away with driving uninsured if you are a |
| drivers in this state. It is very important to be cognizant | | | | resident of the state of New York. |
| of the importance of keeping your motor vehicle | | | | New York Auto Insurance Requirements |
| coverage current on a continuous basis. An updated | | | | People who drive in this state are required to have |
| policy is one of the most important aspects of owning | | | | three basic types of insurance on their vehicles' |
| a vehicle, especially in the state of New York. | | | | policies. These three forms of coverage are designed |
| The NY Department of Motor Vehicles features the | | | | to protect everyone involved in an accident, including |
| Insurance Information and Enforcement System. This | | | | the person who is at fault. Without this coverage, |
| system, also known as IIES is designed to detect | | | | many drivers may find themselves in dire straights. |
| uninsured vehicles. The system is quite valuable to the | | | | No-Fault, or Personal Injury Protection is a must in this |
| state and it is also a very formidable obstacle against | | | | state. This coverage pays for medical expenses and |
| driving without insurance. | | | | lost wages for people involved in accidents. Liability is |
| Those who have vehicles registered in the state of | | | | designed to pay for damage done to property in the |
| New York are required by law to report to the | | | | event of an accident. Uninsured Motorist protects you |
| Department of Motor Vehicles if they have any | | | | if you are involved in an accident with a person who |
| important information about their car insurance policies. | | | | does not have adequate insurance coverage. |
| This includes cancellations, new policies and renewals | | | | With these three types of insurance, drivers have the |
| for all policies. | | | | peace of mind in knowing that they are driving legally |
| Once the information is entered into the system's | | | | and that they have some support if they are involved |
| database, the IIES tracks the insurance information for | | | | in an accident. However, it is always wise to seek |
| each registered vehicle. If there is a change, the IIES | | | | more benefits in your New York auto insurance plan. |
| will be notified immediately. There is little chance of | | | | |