Are all drivers in New York State required to carry collision insurance?

No, drivers in New York State are not required to carry collision insurance.

However, New York State law does mandate that all drivers carry liability insurance, which includes:

1. Bodily Injury Coverage: A minimum of $25,000 per person and $50,000 per accident.
2. Property Damage Coverage: A minimum of $10,000 per accident.
3. Personal Injury Protection (PIP): At least $50,000, which covers medical expenses and lost wages for the driver and passengers, regardless of fault.
4. Uninsured Motorist Coverage: At least $25,000 per person and $50,000 per accident.

Collision insurance, which covers damage to your own vehicle in an accident regardless of fault, is optional. It is generally required only if you are financing or leasing your vehicle, as lenders or leasing companies often mandate it. If you own your vehicle outright, you can choose whether to purchase collision coverage.