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What Is the Difference Between Bodily Injury and Personal Injury Car Insurance?
In New York, bodily injury coverage is a type of liability insurance you are required to carry on your car insurance to compensate a third-party for damages. Personal Injury Protection (PIP) insurance, also known as No-Fault insurance, is also required and covers you if you are injured in an accident.
Minimum Coverage Limits
In New York, the minimum coverage limits for bodily injury liability coverage and property damage liability are often referred to as 25/50/10 and include:
$25,000 for bodily injuries that do not result in death or $50,000 for an injury that results in death, which is sustained by a person injured in an accident;
$50,000 for bodily injuries that do not result in death sustained by two or more people involved in an accident or $100,000 for an injury that results in the death of two or more accident victims; $10,000 for property damage liability protection to compensate a third-party for damage to their property.
PIP or No-Fault Coverage
PIP or No-Fault coverage in New York is designed to pay for your economic losses from a car accident regardless of who is at fault and whether or not there was any negligence.
It will pay up to $50,000 per person to the driver and any passengers who were injured as well as to injured pedestrians.
Should I consult a Long Island injury lawyer if I’ve been injured in a car accident?
Yes! If you’ve been injured, the experienced Long Island lawyers at Rosenberg & Gluck, L.L.P., can help you. Call (631/516) 451-7900 Attorney Advertising.