Best Staten Island, New York Auto Insurance in 2026

Auto insurance is mandatory in Staten Island, NY, as it is in the entire state of New York. The law requires all vehicle owners to carry a minimum amount of liability insurance to protect themselves and others in case of accidents. It helps cover the costs of property damage, injuries, and medical expenses that may result from an accident.

In Staten Island, NY, you can typically find the following five types of auto insurance coverage:

• Liability coverage
• Personal injury protection (PIP)
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage

The state of New York requires drivers to carry minimum liability insurance limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. However, it is often recommended to consider higher coverage limits to provide greater financial protection in case of an accident.

In some states, including New York, insurance companies are allowed to consider your credit score when determining your auto insurance rates. Your credit history is often used as a factor in assessing your level of risk as a policyholder. Maintaining a good credit score can help you secure lower insurance premiums.

If you’re involved in a car accident in Staten Island, NY, it’s important to take these 10 steps:

1. Ensure Safety: Check if everyone involved in the accident is safe and call emergency services (911) if necessary. If there are any injuries requiring immediate medical attention, prioritize getting medical help.
2. Contact the Authorities: Report the accident to the police, even if it’s a minor collision. The police will document the incident and provide you with an official accident report, which may be required by your insurance company.
3. Gather Information: Exchange contact, insurance, and vehicle information with the other parties involved in the accident. Be sure to note down their names, phone numbers, license plate numbers, insurance policy details, and driver’s license information.
4. Document the Accident Scene: Take photos or videos of the accident scene, including the damaged vehicles, skid marks, and any other relevant details. This visual evidence can be valuable when filing an insurance claim.
5. Gather Witness Information: If there are any witnesses to the accident, try to obtain their names and contact information. Their statements may help support your claim in case of disputes.
6. Notify Your Insurance Company: Contact your insurance company as soon as possible to report the accident. Provide them with accurate and detailed information about what happened. Follow their instructions on how to proceed with filing a claim.
7. Seek Medical Attention: Even if you don’t have any immediate visible injuries, it’s advisable to seek medical attention. Some injuries may not manifest symptoms right away, and a medical evaluation can help identify any underlying issues.
8. Cooperate and Avoid Admission of Fault: Cooperate with the authorities and provide an accurate account of the accident. However, refrain from admitting fault or making any statements that may imply liability. Leave the determination of fault to the insurance companies and legal professionals.
9. Keep Records: Maintain a record of all documents related to the accident, including the accident report, medical bills, repair estimates, and communication with insurance companies. These records will be essential for your insurance claim and any potential legal proceedings.
10. Consult an Attorney: If you have significant injuries, disputes regarding fault, or encounter challenges with your insurance claim, it may be wise to consult with a personal injury attorney who specializes in car accidents. They can provide guidance and protect your rights throughout the process.

Remember, every accident is unique, and the steps you take may vary based on the specific circumstances. It’s crucial to prioritize safety, gather information, and promptly inform your insurance company to initiate the claims process.