Many people don’t carry enough insurance to cover these costs, resulting in liability for parents or the vehicle owner. The average length of hospitalization for an accident involving a teen driver is five days, costing more than $53,000 in medical bills. Teen Driving Statistics in New YorkĮach year in New York State, teen drivers are involved in thousands of accidents that result in nearly 3,500 emergency department visits, with almost 200 hospitalizations and 16 fatalities. Failure to have enough car insurance can result in fines, jail time, and license suspension. Uninsured driver insurance should match the limits of liability coverage for bodily injury and fatalities. $50,000 in PIP for medical bills and lost pay, and $2,000 for funeral expenses.$50,000 in fatality coverage per person, $100,000 fatality coverage per accident.$10,000 in property damage per accident.$25,000 for bodily injury per person, $50,000 for bodily injury per accident. ![]() New York requires teens to carry liability insurance, personal injury protection, and uninsured coverage in the following amount: ![]() Teen drivers, like any other driver in New York, are required to meet minimum insurance requirements. Insurance Requirements for Teen Drivers in New York Otherwise, a junior license is automatically graduated to a regular driver’s license when someone turns 18. Teens who go through the process mentioned above may obtain an unrestricted license at age 17. Junior license holders cannot drive between 9 p.m. ![]() Junior License Restrictions in New YorkĪ driver with a junior license may drive unlimited hours in most of the state for work or school purposes with a parent or guardian. To receive a junior license, the teen must complete a pre-licensing driver’s education course and pass a road driving test. Applicants must submit a signed driving log with at least 50 hours of supervised driving, with 15 hours of night driving. A parent or guardian must sign the application form. Junior LicenseĪfter having a learner’s permit for six months (with no license suspension), a 16-year-old can apply for a junior driver’s license. Learner’s permit holders may not allow more than one non-family member passenger under the age of 21 in their vehicle at a time. and 5 a.m., they must be accompanied by a parent, guardian, or driver’s education instructor. Teens holding a driver’s permit may operate a vehicle with a licensed driver (at least age 21) in the car’s front seat. Learner’s Permit Restrictions in New York
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