Auto Insurance

Auto Insurance

Auto insurance provides financial protection in the event of an accident, damage, injuries, or theft involving an insured vehicle. Many states require drivers to carry the states minimum level of liability insurance coverage.

Personal Auto Insurance

Bodily Injury Liability

  • Providing coverage if you are found responsible for causing bodily injury to another person in an accident.
  • In most states including New York State, liability coverage is a legal requirement.
  • Bodily Injury Liability coverage typically covers medical expenses, loss of wages, pain and suffering, and other damages suffered by the injured party.
  • Insurance policies will have a specific coverage limit, which represents the maximum amount the insurance company will pay for bodily injury claims.
  • As of 2023 In New York, the minimum required bodily injury liability coverage limits for auto insurance are:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $10,000 property damage
  • It is crucial to understand that these are the minimum required limits, and many drivers choose to purchase higher coverage limits to enhance their greater financial protection in the event of an accident.
  • If you cause bodily injury or property damage that exceeds the minimum coverage limits, you may be personally responsible for paying the remaining costs out of pocket. Higher liability limits can help protect your personal assets and prevent financial hardships.


  • Collision provides coverage that helps pay for repairs or replacement of your own vehicle if it is damaged in a collision regardless of who is at fault.


  • Comprehensive provides coverage for damages to the policyholder’s vehicle occurring from a non-collision event.

NY Capital Insurance assists in every step, we help you find the right coverage. Providing peace of mind when you’re on the road.

Commercial Auto Insurance

NY Capital Insurance professionals are well experienced in all kinds of Commercial Auto Insurance Policies.

  • Protecting your business while you or your employees use vehicles for business purposes.
  • Providing coverage for accidents, theft, or damage to vehicles.

Like Personal Auto Insurance, Commercial Auto Insurance is also required by law depending on the type of business and vehicle being used.

NY Capital Insurance provides you with access to the most comprehensive commercial policies.

Our experts help provide applicable discounts with coverage tailored to meet the specific needs of your business, whether you have a fleet of vehicles or just one!

Get the best Commercial Insurance coverage for your business vehicles at competitive rates.