Tri-State Automotive Insurance

Used Car Insurance Guide

Before driving your newly purchased vehicle home from a private sale in New York, New Jersey, or Connecticut, verify coverage and understand state regulations.

State Minimum Liability Requirements

New York State

NY DMV

$25,000 / $50,000 Bodily injury liability

$10,000 Property damage liability

$50,000 Personal Injury Protection (No-Fault PIP)

FS-20 Card: Required before DMV vehicle registration

New Jersey

NJ MVC

$25,000 / $50,000 Bodily injury (Standard Policy)

$25,000 Property damage liability

$15,000 - $250,000 Personal Injury Protection

Insurance ID: Must be active before trip permit or plates

Connecticut

CT DMV

$25,000 / $50,000 Bodily injury liability

$25,000 Property damage liability

$25,000 / $50,000 Uninsured / Underinsured motorist

Card Required: Must present at DMV or emissions center

Insuring Clean Title vs. Rebuilt Title Cars

Clean Title Vehicles

Eligible for full coverage (Comprehensive and Collision) from all major national and regional insurers without special underwriting restrictions.

Financing banks accept clean titles without additional appraisals or mechanical inspection forms.

Rebuilt / Restored Salvage Titles

Typically eligible for mandatory state liability coverage once passed required state safety and anti-theft inspection.

Comprehensive and collision coverage availability depends on individual insurer underwriting policies and vehicle inspection requirements. Confirm policy availability directly with insurers.

Disclaimer: Torque is a vehicle marketplace and does not sell, broker, or underwrite insurance policies. State minimums and coverage rules are subject to change. Consult your insurance provider or state DMV/MVC for legal requirements.

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