The article provides an overview of New York State's minimum auto insurance requirements, highlighting three key types of coverage: No-Fault (Personal Injury Protection, PIP), Liability Insurance, and Uninsured Motorists Coverage. No-Fault coverage offers up to $50,000 per person for medical expenses and lost earnings, applicable regardless of fault, and covers drivers, passengers, and pedestrians, but not vehicle damages. Liability Insurance includes legal defense and covers damages or injuries caused to others by the insured vehicle, with specific minimum coverage limits set by New York law. Uninsured Motorists Coverage protects against injuries from uninsured or hit-and-run drivers within New York State, excluding vehicle damage. The article also notes exceptions to PIP benefits, insurance nuances when renting cars, and the role of the Insurance Information and Enforcement System (IIES) in monitoring vehicle insurance coverage.

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