How much uninsured motorist protection should I get if I live in New York?

I want to add uninsured motorist protection to my policy, as a friend of mine got hit by a person without insurance and it turned into a massive legal battle. How much uninsured motorist coverage should I get in New York?

Answer provided by
Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“New York legally requires all drivers to have 25/50 uninsured/underinsured motorist coverage. This breaks down to $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
However, this level of coverage probably won’t be enough in most cases. If you were in a catastrophic accident, the cost of transportation to the hospital might total $10,000. A week’s stay in the hospital, including lost wages, might run you $150,000 or more.
That’s why you should definitely get higher coverage. The amount you should get depends on your budget. A general rule of thumb is to buy as much coverage as you can comfortably afford.”

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