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M&K Dignum Insurance Agency, Inc.

622 Loudon Road Suite 204
Latham, NY 12110

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Required Auto Insurance in New York

When you own a vehicle in New York, you’re required to get an auto insurance policy for it. You have to have this policy in place before you can register your vehicle. And if your coverage isn’t kept, your vehicle’s registration and even your driver’s license can be suspended by the DMV. Make sure that you have a policy for as long as you own your car or truck, and carry proof of the policy with you. When you’re in need of an auto policy, call us at M&K Dignum Insurance Agency Inc. in Albany, NY.

Required Coverage

There are different types of coverage in every auto insurance policy. Yours in New York must contain a total of five amounts of coverage for liability. The first is an amount for property damage liability. This pays for the damage to someone else’s property, such as their vehicle, in an accident that you caused. Then, there is an amount of bodily injury liability for one person and an amount for the death of one person in an accident. In addition, there is an amount for the bodily injury of two or more people and an amount for the death of all of the people killed in the accident. All of these amounts have strict minimums, but you can generally add to your liability coverage if you wish. 

Other Auto Coverage

You can also get non-required overage types in your policy. These include both comprehensive coverage and collision coverage. When you have comprehensive insurance, it offers protection against many of the risks your vehicle faces when you aren’t driving it. Collision insurance pays for the damage that happens to your car or truck when you’re in an accident that you caused. 

Get Auto Insurance Today

To get your auto insurance, call us at M&K Dignum Insurance Agency Inc. in Albany, NY. 

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  • Eastern Mutual
  • Hanover Insurance
  • Liberty Mutual
  • Main Street America
  • Nationwide
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  • The Hartford
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