New York Driver License (DMV) Written Practice Test

What type of insurance is required for drivers in New York?

1. Comprehensive insurance

2. Full coverage insurance

3. Liability insurance as mandated by the state

4. Uninsured motorist insurance

The correct answer is: Liability insurance as mandated by the state

In New York, drivers are required to carry liability insurance as mandated by the state. This type of insurance provides financial protection for damages or injuries that a driver may cause to others in the event of an accident. It covers the cost of repairs to another person's vehicle as well as medical expenses for injuries sustained by other individuals. Liability insurance is essential because it ensures that drivers can fulfill their financial obligations to other parties involved in an accident, promoting accountability on the road. The state has specific minimum coverage amounts that drivers must meet, which aim to protect both the insured and others affected by their driving. While comprehensive insurance, full coverage insurance, and uninsured motorist insurance can provide additional protections, they are not mandatory under state law. Comprehensive insurance covers various risks such as theft or damage not resulting from a collision, full coverage typically combines liability with comprehensive and collision coverage, and uninsured motorist insurance protects against drivers who do not have any insurance. However, these types of insurance may not be immediately necessary for compliance with New York state law as the state only mandates liability insurance.