New York requires compulsory motor-vehicle liability insurance, mandatory uninsured-motorist protection, and no-fault first-party benefits. This guide will address the 25/50/10 liability minimums, required UM coverage, financial-responsibility rules, proof of insurance, and the practical consequences of minimum limits after a serious crash.

Publication review note — September 17, 2026. Verify current Vehicle and Traffic Law and Insurance Law requirements, effective dates, exceptions, and policy forms before publication.