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Car Insurance In New York

02.23.2012 · Posted in Insurance Articles

Main population of New York is in main city and their primary source of convince is public transport. Therefore, a large number of people need not any car or insurance of a car. If you look outside the city of New York, you will observe that there is less number of people. However, in these areas owning a car is necessary, because these areas are at distance from main city due to which it become difficult for them, when they come form that area to main city without their own car, because there is no facility of public transport as well. If you are living in this city where you have not access to public transport or taxi, then you need a car and car insurance in necessary for you.It is not hard and difficult to find an insurance company or insurance policy for your car in this city.rnHowever when it come for cheap or affordable insurance policy it become difficult and you have to keep some important things in mind.First thing about your car,insurance is minimumrequirement.In this city, minimum requirement for car insurance is very simple and straightforward. If some one injured badly in this city in his/her own car will get 25,000 $ for each injured person and this amount can be total up to 50,000 $ for the whole accident. While, minimum requirement of property damage in this city is $10,000.This also covers insurance of motorist as well. So simply it means that when an accident will occur everybody will get insurance money even that have insurance policy or not if they were sitting in that car which has insurance policy.rnPersonal protection from injury is also a requirement for which you will get $50,000which make assure that everybody sitting in vehicle during accident will get medical benefits.There are also some requirements by insurance companies as well.rnThe city of New York has laws, which are no fault system laws.rnTherefore, your insurance company has to pay you and all persons sitting in that car during accident regardless of the reality that due to whose fault this accident occur. Bad thing about these requirements is that there is a limit according to which your insurance company will have to pay.Therefore, your insurance companies pay you according to that limit and sometimes you have to pay your medical bills on your own.By observing the entire requirements it seem that you would be unable to get an affordable insurance policy. You need not to worry or discourage because including all these requirements there are many cheap and affordable insurance policies, which you can get. Need is that you just have to find all these cheap and affordable insurance policies. You can get higher premier than normal national average rate but keep this in mind that price of every insurance policy is not same.You can spend little portion of your time in comparing insurance rates of different companies so that you can save your money by choosing an affordable and cheap insurance policy in New York.

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