To be able to enroll your car or truck in the state of New York and obtain a license plate, car insurance is needed. Liability, PIP, and Uninsured Motorist conditions are needed. The PIP ($50,000) is required in the event that the injured party does not have insurance and cannot pay the medical expenses.  Property Damage Liability safeguards you from the claims of other motorists. Uninsured Motorist coverage shields both you and anyone in your car from accidental injuries suffered on the part of other motorists who sadly are without insurance. Auto Insurance in New York