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why is liability coverage in NY so confusing?
I've been trying to wrap my head around liability coverage rules here in New York, and honestly, it's like they purposely made it complicated. Every time I think I get it, there's another weird exception or something. Anyone else feel lost with this stuff?
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"Every time I think I get it, there's another weird exception or something."
Haha, seriously... I remember when I first got my car here, spent hours thinking I'd nailed down the coverage details. Then my agent casually mentions some obscure clause about out-of-state incidents - felt like a plot twist in a bad movie. You're definitely not alone.
“Liability coverage” can mean different things depending on the policy, which is part of what makes the rules hard to follow. If you mean auto insurance, New York requires minimum liability coverage for bodily injury and property damage, while no-fault personal injury protection is a separate required coverage, not liability. Other policy types have different rules, so the kind of policy matters.