New York General Adjuster 10-70 Practice Test 2026 – Complete Exam Preparation

In the State of New York, the financial responsibility limits for automobile liability insurance are designed to ensure that drivers have sufficient coverage in the event of an accident. The limits specified as 25/50/10 with an additional 50/100 for death reflect the minimum amounts required by New York law.

These figures indicate that an insured driver must carry at least $25,000 in coverage for injuries to one person in an accident, $50,000 for total injuries to all people involved in the accident, and $10,000 for property damage. Additionally, the stipulation of 50/100 for death signifies that the coverage limits for fatalities resulting from an accident are set at $50,000 per individual and a total of $100,000 for all parties.

Such financial responsibility limits are put in place to protect both the insured and the public, ensuring that there are adequate financial resources to cover damages arising from vehicle accidents. In understanding these requirements, it's crucial for drivers to carry at least this minimum level of coverage to comply with state regulations and to provide a safety net in case of unforeseen incidents on the road.