PLNew Yorkeasy
What are the minimum bodily injury and property damage liability limits that a private passenger auto policy must provide to satisfy New York's compulsory financial responsibility law?
A$15,000 per person / $30,000 per accident BI / $5,000 PD
$25,000 per person / $50,000 per accident BI / $10,000 PD
C$30,000 per person / $60,000 per accident BI / $25,000 PD
D$50,000 per person / $100,000 per accident BI / $25,000 PD
Why this is the answer
Veh. & Traf. Law § 311 and the related provisions in Article 6 fix New York's compulsory financial responsibility floor at 25/50 BI and 10 PD, with an additional 50/100 death benefit that must be provided automatically. Every owner's policy issued or delivered in New York must carry at least these limits to register a vehicle (Veh. & Traf. Law § 313). 15/30/5 is California's pre-2025 floor (a common distractor); 30/60/25 and 50/100/25 are above the NY minimum. Producers writing NY auto must quote 25/50/10 as the statutory baseline before discussing higher voluntary limits or umbrella attachment points.
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