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Well, that depends. Depends on what, you say? Depends on whose fault the accident is, whether you and/or the other car have collision or property damage insurance, and depends on how quickly you want your money.

NO, NO, NO. You are not! While New York requires automobile owners to carry liability motor vehicle insurance on their cars with a $25,000/$50,000 minimum limit, all too often, insurance policies are canceled due to non-payment, but people continue to drive their cars or trucks with no insurance.