Best Local Car Insurance Agencies in Yonkers, NY

Yonkers, NY Car Insurance Agency FAQs

• What types of documents are considered valid as proof of insurance in Yonkers?

  What types of documents are considered valid as proof of insurance in Yonkers? The following documents can be used as valid proof of insurance in Yonkers:

  • A copy of your existing car insurance policy.
  • An insurance identification card in either paper or electronic format.
  • A surety bond.
  • An active insurance binder.
  • A cash or security deposit of $150,000 or more with the Department of Motor Vehicles.
  • Self-insurance registration for individuals who own 25 or more vehicles.

• Is coverage for other drivers included in your car insurance in Yonkers?

  Yes. Your car insurance in Yonkers extends coverage to other individuals driving your car. The insurance policy is associated with the vehicle itself rather than being only linked to the individual operating it. This principle applies to various types of coverage, including uninsured motorist protection, collision coverage, comprehensive coverage, and property damage liability insurance.

• Is your Yonkers auto insurance policy valid when you drive a different vehicle?

  If you drive someone else's car in Yonkers, your car insurance may offer you protection. However, in the case of a car accident, their insurance would also provide coverage for you. If you exceed your friend's coverage limits, your own policy will cover you if you are responsible for the accident. Furthermore, it's possible that your current policy extends coverage when you're driving a rental car.

• What consequences do you face for driving in Yonkers without car insurance?

  Driving without car insurance in Yonkers can lead to several consequences, including:

  • Possible imprisonment, up to 15 days, either in addition to or instead of fines.
  • License suspension for 90 days, matching the length of your registration suspension.
  • Fines that can vary from $150 to $1,500.
  • Civil fine of $750 upon conviction.
  • Registration suspension, costing $8 per day for up to 30 uninsured days, $10 per day for days 31 to 60, and $12 per day for days 61 to 90.

• Does your auto insurance cover ridesharing services in Yonkers?

  Standard personal auto insurance policies in Yonkers do not include coverage for ridesharing activities. If you intend to provide ridesharing services, it is unlikely that your standard personal auto insurance will safeguard you or your passengers. Thus, you might need to consider getting supplemental insurance coverage made only for rideshare drivers.