How Much Car Insurance Should You Buy City?

Written by
Abraham Jaros
Updated on Tuesday, Oct 24, 2023

There are several reasons why it’s extremely important to have sufficient car insurance here in New York.

  • As a no-fault state, the very first place you’ll collect compensation from will be your own PIP, or personal injury protection insurance.
  • You cannot sue in all car insurance cases, only those in which you have suffered from a pre-set list of severe injuries.
  • Insurance companies will only pay compensation up to their policy limits, and if you get into an accident with someone who has few resources you may not be able to recover very much money.
  • There’s always the chance that you could become the at-fault party in a car accident that is eligible for a lawsuit.

So how much coverage do you actually need?

Liability Coverage

Do you have assets you need to protect? If so, you may need more than the bare minimum of insurance coverage required by New York state law. The average cost of a disabling car accident that might be serious enough for a lawsuit is $101,000. $25,000 in liability for a single person means you could be left with a $75,000 bill, or more. That could translate a lien on your home or garnished wages.

Uninsured/Underinsured Motorist Protection

This protection helps get you paid even if the other driver is insufficiently insured. 12.6% of drivers are uninsured in New York, and an even larger number are simply buying the cheapest, most basic coverage they can get away with. You might want to consider purchasing at least $100,000 in coverage, if not more.

Personal Injury Protection (PIP)

Minimum PIP insurance only covers up to $50,000 in injuries.

Even if your injuries aren’t severe enough to warrant a lawsuit, everybody knows that hospital bills can be unpredictable and can spiral out of control. The more PIP coverage you can afford, the better off you’ll be. The maximum amount is $250,000.

Maximize Coverage with Help from Your Lawyer

Did you know that even your own insurance company can balk at paying for your car accident? You can pay them faithfully for years only to find they don’t want to pay you a cent when you really need them.

If we take your case, we can help you deal both with your own insurance company and the other driver’s insurance company. This can help speed up coverage payouts and avoid situations which might result in delays or denials.

Not sure whether you have a case? Reach out to schedule a free case review today.

Get the advice and guidance you and your family need

You do not have to go through this alone.

At Jaroslawicz & Jaros, we have over 40 years of experience helping accident victims in New York recover compensation. The clients we represent benefit from the personal attention of our knowledgeable and experienced attorneys.

We Have Recovered Over $2 Billion for Our Clients.

The attorneys at Jaroslawicz & Jaros have obtained verdicts and settlements of over $1 Million for hundreds of our individual clients. Since all New York personal injury law firms generally charge the same legal fee why not hire an experienced law firm with a proven track record?

When you retain the New York City accident lawyers at Jaroslawicz & Jaros, you will always work directly with your lawyer, and not with a paralegal or secretary. We will always be available to you! Our hundreds of positive client reviews and testimonials speak for themselves.

Experience and a track record of results

Contact the attorneys at Jaroslawicz & Jaros for a free legal consultation regarding your rights and your legal options. If we agree to handle your case, we will work on a contingency fee basis so that you don’t have to worry about any upfront costs.

Contact us today for a free consultation

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You can reach partner Abraham Jaros directly, either call his cell 917-842-9544, or email him at Or call Jaroslawicz & Jaros at 212 227 2780 in New York, or toll free 800-269-2780, or submit an online questionnaire.