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