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

In New York, liability insurance is mandatory for all drivers. This type of insurance is crucial as it covers the costs associated with damages or injuries you may cause to other people or their property while operating your vehicle. It serves to protect not only the other party in the event of an accident but also ensures that you, as a driver, comply with state laws.

Liability insurance is part of the minimum coverage requirements set by the state. Without it, you would not be legally permitted to drive and could face penalties, including fines and the potential suspension of your driver's license. In contrast, while collision and comprehensive insurance can be beneficial in protecting your own vehicle against damage, they are not required by law. Health insurance, although important for personal medical needs, does not pertain specifically to vehicle operation under the law.