NY DMV NY DMV Insurance Requirements 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required per person in New York?
- $15,000
- $20,000
- $25,000 (Correct answer)
- $30,000
Correct answer: $25,000
New York requires a minimum of $25,000 per person for bodily injury liability coverage.
Question 2: What is the minimum bodily injury liability coverage required per accident in New York?
- $25,000
- $50,000 (Correct answer)
- $75,000
- $100,000
Correct answer: $50,000
New York requires $50,000 per accident for bodily injury liability, making the minimum 25/50.
Question 3: What is the minimum property damage liability coverage required for New York auto insurance?
- $5,000
- $8,000
- $10,000 (Correct answer)
- $15,000
Correct answer: $10,000
New York requires a minimum of $10,000 in property damage liability coverage per accident.
Question 4: New York is considered what type of auto insurance state?
- At-fault state
- No-fault state (Correct answer)
- Choice no-fault state
- Pure tort state
Correct answer: No-fault state
New York is a no-fault state, meaning your own insurance covers your injuries regardless of who caused the accident.
Question 5: What is the minimum Personal Injury Protection (PIP) coverage required in New York?
- $25,000
- $50,000 (Correct answer)
- $75,000
- $100,000
Correct answer: $50,000
New York requires a minimum of $50,000 in PIP (no-fault) coverage to pay for medical expenses after an accident.
Question 6: When must auto insurance be in effect for a vehicle in New York?
- Only while driving on public highways
- Before the vehicle can be registered with the DMV (Correct answer)
- Only when driving with passengers
- Only when driving outside New York State
Correct answer: Before the vehicle can be registered with the DMV
In New York, a vehicle must be insured before it can be registered with the DMV.
Question 7: What happens when an auto insurance company cancels a policy in New York?
- The driver has 60 days to find new coverage with no penalty
- The DMV is notified and the vehicle registration may be suspended (Correct answer)
- The driver must park the vehicle in a private garage
- The driver's license is automatically revoked
Correct answer: The DMV is notified and the vehicle registration may be suspended
When a policy is cancelled, the insurer notifies the DMV electronically, which may suspend the vehicle's registration.
NY DMV NY DMV Insurance Requirements 1
What is the minimum bodily injury liability coverage required per person in New York?