A motor vehicle registered in New York State must have liability insurance with a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident. New York State is a no-fault state.
The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used, except for motorcycles.
The liability coverage must be New York State insurance coverage, issued by a company authorized to do business in New York State and licensed by the New York Insurance Department. Out-of-state insurance coverage of any type is never acceptable or valid. If your vehicle is registered in New York State, the liability insurance coverage must be New York State insurance coverage.
Liability coverage must be issued in the name of the registrant and must remain in the name of the registrant at all times. A change to a name different from the registrant causes a lapse in insurance coverage. The driver’s license of the registrant and the registration will be suspended.
You are required to show a New York State insurance identification card when you apply for a vehicle registration. Your insurance company, agent or broker must issue two original New York State insurance identification cards to you. They must have the same name as the registration application and must have a barcode.
The insurance company must also file an electronic notice of insurance coverage with the New York Department of Motor Vehicles to verify the liability coverage. The agent or broker cannot file this notice. Your insurance identification card and the electronic notice of insurance coverage together verify your insurance coverage.
An insurance identification card must be presented within 45 days of the effective date of the insurance coverage. You must bring the cards to the New York Department of Motor Vehicles office when you apply for the registration. They will keep one card. Keep the other card with the vehicle. If a police officer requests your proof of insurance, you must show your insurance identification card.
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