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Beck Law, P.C.

(516) 388-7785

BeckLaw Icon

Beck Law, P.C.

Personal Injury and Workers’ Compensation Attorneys.

Call for a free consultation

(516) 388-7785

What Is Liability Insurance And Do You Need It?

In the event of a car accident, liability coverage provides protection for at-fault drivers. But, what does this mean? Put simply, if a claim is made against you by another person (“third-party”), alleging that you were negligent or otherwise at fault for an accident, your liability insurance company must afford the injured party (third-party) coverage for all payments including damage to their property and serious injury or death that resulted from the accident. 

In addition, your insurance company must provide you with a legal defense against such claims, without reducing your policy’s liability limits.

The minimum limits of third-party bodily injury liability coverage mandated by New York’s Vehicle and Traffic Law are:

  • $25,000 for bodily injury (not resulting in death), or $50,000 for any injury resulting in death, sustained by any one person in any one accident;
  • $50,000 for bodily injury (not resulting in death) sustained by two or more persons in any one accident, or $100,000 for any injuries resulting in death sustained by two or more persons in any one accident (subject to the above per person limits).

As to property damage, the minimum limit of coverage required by New York State law for damage to another party’s vehicle or property, is $10,000 per accident. 

Not only does liability insurance provide indemnification (coverage) for you in an event of an accident, it is also required to operated a vehicle in New York State. Under Section 319 of the New York State Law,  any driver that operates a vehicle without proper insurance shall be cited a fine of between $150 and $1,500, or 15 days in jail. To find out more, contact our Queens Car Accident Lawyers today. 

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