Does insurance follow the car or driver in NY?

Does insurance follow the car or driver in NY?

Car insurance usually follows the car in New York. The types of car insurance that follow the car in New York are collision, comprehensive, uninsured motorist protection, and property damage liability.

What happens if someone else is driving my car and gets in an accident NYS?

Your collision coverage will handle damages to your car, but you have to pick up the deductible. Liability coverage insurance will handle the other driver’s medical bills and damaged car. Your friend’s auto insurance will kick in if the car accident caused damage and injuries above your coverage level.

Does auto insurance cover the person or the vehicle?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Can I drive my wife’s car on her insurance?

Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.

Does car insurance cover operators in New York State?

If a licensed driver has permission from the insured owner to operate the motor vehicle in New York, would the insurance policy for the vehicle provide coverage in the event that its operator is involved in an accident? Yes.

What type of auto insurance do I need in New York?

New York law requires that you have auto liability insurance coverage. The minimum amount of liability coverage is be New York State insurance coverage, issued by a company licensed by the NY State Department of Financial Services and certified by NY State DMV – out-of-state insurance is never acceptable

Can I get Out-of-state vehicle insurance in New York?

We will never accept out-of-state vehicle insurance coverage of any type. If your vehicle is registered in New York, it must have New York State auto liability insurance coverage. 1 Your motorcycle must have insurance coverage any time it is operated on a public road or highway.

Does full coverage auto insurance follow the vehicle or the person?

In most cases, full coverage auto insurance policies follow the vehicle and not the person, which means your policy will cover another person driving your car. However, there are some exceptions. Keep reading to learn exactly what a full coverage policy will protect, and where the gaps are in your coverage.