FAQ

With over a century of combined experience, our independent and licensed agents are here to help answer your questions so you can make informed decisions regarding your insurance.

What is the minimum car insurance I need?

New York State Law requires all vehicles to carry a minimum amount of liability coverage. These limits are:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more persons, which is the maximum that would be paid regardless of the number of people injured
  • $10,000 for damage to property of others
  • $50,000 for personal injury protection (PIP)

Uninsured motorist protection is subject to the same minimum coverages.

HUNT Insurance recommends that our policyholders carry much higher limits. Due to the rising costs of vehicles and claims, those minimum limits will be used to their full capacity, leaving policyholders susceptible to a possible lawsuit.