All drivers who operate vehicles on public roadways owe a duty of care to other roadway users. This duty requires the driver to take reasonable actions to avoid causing harm to others. These actions generally include operating the vehicle safely and legally. One of the drivers’ legal requirements is maintaining the minimum insurance required by state law. For example, in New York, for a driver to register their vehicle, they must show that they have the following minimum insurance coverages: 1) $10,000 in property damage for a single incident. This is how much money is available to help those who suffered harm due to the at-fault driver’s negligence to recover for the repair or replacement of their vehicle and other personal items damaged in the crash. 2) $25,000 for one person injured in the accident, or $50,000 for the death of one person in the accident. 3) $50,000 for bodily injuries or $100,000 for the deaths of two or more people in the accident