Licensing Information

The Steps to Get a Driver License

Once New York State residents are 16 or over, they can apply for a New York driver license. This process has four steps to ensure that you are ready to have your license.

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Graduated License Law

For Drivers who are under the age of 18 there are additional restrictions to the learner permit. These restrictions vary depending on where in the state you reside.

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License and Permit Fees

There are fees for obtaining your driver license and learner permit. Make sure you're ready before you go.

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Know the Laws

It is important to prepare for your learner permit and road test. Even if you already know the rules, brushing up with practice tests can be helful.

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About Insurance

Personal Injury Protection

New York State Law requires this insurance. The minimum requirement is $50,000 to pay for medical expenses, loss of income, and other miscellaneous expenses regardless of fault. This coverage provides the following benefits.

  • Medical expenses - covers your various medical expenses
  • Loss of income - a maximum of $2,000 a month or 80% of your current monthly income (whichever is less)
  • Other expenses - $25 a day for reasonable expenses
  • Death benefit - $2,000
Bodily Injury Liability

Required by law, bodily injury protects you if you are responsible for an accident in which someone is injured or killed. The minimum requirement is $25,000/$50,000, which means that the insurance company will only pay up to $25,000 per person injured and up to $50,000 per accident. So if there is more than one person injured, the most you are covered for is $50,000.

Optional Basic Economic Loss (OBEL)

In a recent ruling by New York State, maximum loss of income received from no-fault was increased from $1,000 to $2,000 a month for 36 months. However, with a $50,000 limit, coverage may be used well before the 36 months. This is where OBEL comes in to help you out. This coverage provides an extra amount on top of the no-fault limit.

Property Damage Liability

Required by law, property damage covers the damage your vehicle causes to someone else's property, such as your car running into someone's house or car. The minimum requirement is $10,000, which means that the insurance company will only pay up to $10,000 for damage your vehicle does to someone else's property.