Liability coverage is mandatory coverage that protects you if a claim is made against you by another person (“third-party”), alleging that you were negligent or otherwise at fault. This coverage will make payments on your behalf to the injured third-party in the event your vehicle is involved in an accident that results in serious injury or death to others or damage to their property.

Your insurance company will also provide you a legal defense against any claims, without reducing your policy's liability limits.

For additional information, please visit the Department of Financial Services' Auto Insurance Resource webpage.

Uninsured Motorist Coverage is mandatory coverage included onto your auto insurance policy, unless requested to be removed. This coverage will provide bodily injury protection for you and occupants within your car in the event of injuries resulting from negligent actions by an uninsured vehicle or by a hit-and-run motorist.

It applies to bodily injuries due to accident occurring in New York State and does NOT cover auto body damages to your car or damage to other property.

For additional information, please visit the Department of Financial Services' Auto Insurance Resource webpage.

No-Fault Coverage is also called Personal Injury Protection (PIP). It is mandatory coverage included within your vehicle insurance policy that is designed to pay promptly for economic losses up to $50,000 per person; which includes the driver and all passengers in your vehicle.

Economic losses can include and is not limited to medical/health expenses, lost earnings, and certain other reasonable and necessary expenses related to the injuries sustained.

The purpose of PIP is to restore individuals hurt in an auto accident to health and productivity as fast as possible. Additional coverage for PIP can be purchased for additional premium, and it will pay more than the required basic No-Fault benefits.

For additional information, please visit the Department of Financial Services' Auto Insurance Resource webpage.

If your insurance is inactive for any reason while the vehicle is still registered and has active plates in New York, that means an insurance lapse has occurred.

An insurance lapse means that there is no liability insurance coverage for a vehicle registered in New York State for a period of time. If there is a lapse of insurance for a vehicle registered to you, the DMV can suspend your registration and driver license.

To remove an insurance lapse, the registered owner of the vehicle would need to obtain insurance on the vehicle or return the plates to DMV. It is important to keep your insurance active while you have a vehicle registered in New York State.

For additional information, please visit New York State's Department of Motor Vehicles webpage.