4:22 PM
Ghulam Ghous
By
Mark Bree
Every state has its own laws regarding automobile registrations,
driver's licenses, dog licenses, child abuse and hundreds of other
things. At times, it is difficult to keep track of them all and that is
certainly true regarding New York Insurance Laws. However, there are New
York State as well as City Laws. The ones listed below pertain to New
York State insurance laws.
Automobile Insurance Laws.
The minimum automobile coverage required in NY State for liability is $25,000-$50,000 bodily injury, $25,000-$50,000 uninsured motorist bodily injury, $10,000 for property damage and $50,000 personal injury protection. There are no exceptions. Since this is a no-fault policy, one is covered for bodily injury if injured by an uninsured motorist, but not for property damage. The average policy cost for New York is $2,428.
Missouri residents are required to have a minimum liability policy of $25,000-$50,000 per accident. They also have the option of filing proof with the Department of Revenue or a Certificate of Self-insurance (for a company or religious organization) which is issued by the Missouri Department of Revenue. Uninsured motorist coverage of $25,000-$50,000 is also required. The average premium for Missouri is $1,610.
Delaware automobile owners must have liability coverage with a minimum of $10,000 for property damage, $15,000 for personal injury or death to one person and $30,000 for personal injury or death to more than one person. Coverage for an uninsured driver is not required. The average premium for Delaware is $2,136.
Arizona motorists must have a liability policy with $15,000-$30,000 bodily injury and $10,000 for property damage. They can substitute a $40,000 cash bond or place a Certificate of Deposit with the Department of Revenue. It is interesting that, in addition to an automobile, coverage is also required for golf carts, motorcycles and mopeds. The average premium is $1,786.
All of the above state's insurance coverage has the following provisions.
All policies must be purchased from an insurance company registered with the state. Penalties for not complying with these requirements include license suspension, loss of vehicle registration, fines and possible impounding of the automobile. Although not required, the majority of insurance companies offering these policies allow premium deductions for things such as the year of the automobile, where it will be stored, who will be driving it, combining it with other policies and so forth.
Depending on what type of New York Insurance Laws one is searching for there are a number of online sites where this type of information is available. Many of these have been changed in the past few years by things such as COBRA and other issues that go with the current times. It is important to remember that other state laws may differ significantly from those in New York. Checking with the Internet sites should clear any confusion.
Article Source: http://EzineArticles.com/?expert=Mark_Bree
Automobile Insurance Laws.
The minimum automobile coverage required in NY State for liability is $25,000-$50,000 bodily injury, $25,000-$50,000 uninsured motorist bodily injury, $10,000 for property damage and $50,000 personal injury protection. There are no exceptions. Since this is a no-fault policy, one is covered for bodily injury if injured by an uninsured motorist, but not for property damage. The average policy cost for New York is $2,428.
Missouri residents are required to have a minimum liability policy of $25,000-$50,000 per accident. They also have the option of filing proof with the Department of Revenue or a Certificate of Self-insurance (for a company or religious organization) which is issued by the Missouri Department of Revenue. Uninsured motorist coverage of $25,000-$50,000 is also required. The average premium for Missouri is $1,610.
Delaware automobile owners must have liability coverage with a minimum of $10,000 for property damage, $15,000 for personal injury or death to one person and $30,000 for personal injury or death to more than one person. Coverage for an uninsured driver is not required. The average premium for Delaware is $2,136.
Arizona motorists must have a liability policy with $15,000-$30,000 bodily injury and $10,000 for property damage. They can substitute a $40,000 cash bond or place a Certificate of Deposit with the Department of Revenue. It is interesting that, in addition to an automobile, coverage is also required for golf carts, motorcycles and mopeds. The average premium is $1,786.
All of the above state's insurance coverage has the following provisions.
All policies must be purchased from an insurance company registered with the state. Penalties for not complying with these requirements include license suspension, loss of vehicle registration, fines and possible impounding of the automobile. Although not required, the majority of insurance companies offering these policies allow premium deductions for things such as the year of the automobile, where it will be stored, who will be driving it, combining it with other policies and so forth.
Depending on what type of New York Insurance Laws one is searching for there are a number of online sites where this type of information is available. Many of these have been changed in the past few years by things such as COBRA and other issues that go with the current times. It is important to remember that other state laws may differ significantly from those in New York. Checking with the Internet sites should clear any confusion.
About this Author
Mark Bree writes articles about Insurance for ML Insurance Queens NY, a Forest Hills Allstate Insurance Agency that specializes in auto, property and health insurance. Their website is http://www.martinlevyinsurance.comArticle Source: http://EzineArticles.com/?expert=Mark_Bree
Posted in: auto insurance,automobile insurance,car insurance,online auto insurance
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