In New York, personal auto insurance is a legal requirement for anyone who owns or operates a motor vehicle. This includes individuals who own cars, trucks, motorcycles, or other types of vehicles for personal use. Whether you use your vehicle for commuting, running errands, or leisure activities, having personal auto insurance is mandatory.

New York law mandates that drivers carry liability insurance, which covers bodily injury and property damage that you may cause to others in an accident. Additionally, personal injury protection (PIP) coverage is required to cover medical expenses for you and your passengers, regardless of fault.

It’s crucial for all New York residents who own and drive vehicles to obtain and maintain the necessary personal auto insurance coverage to comply with legal requirements and protect themselves and others on the road.