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