New York and New Jersey have the highest financial risk scores by a significant margin, which may explain the lower uninsured driver rates and higher insurance minimums in the 2 states. New York, in particular, takes the spot for the highest financial risk. Despite accounting for just 2.7% of injury-causing motor crashes nationwide, the state has been home to 11% of the largest motor vehicle accident verdicts in recent years.<\/p>\n
Key Findings<\/p>\n
\u00a0<\/p>\n
Key findings specific to New York include:<\/p>\n
New York accounts for\u00a0just 2.7% of injury-causing motor crashes nationwide, yet it has produced\u00a011% of the largest motor vehicle accident verdicts\u00a0in recent yearsIn 2022 alone,\u00a0total motor tort costs in New York reached $12.9 billionThat translates to an\u00a0average tort cost of more than $250,000 per injury-causing crash, the\u00a0third-highest figure in the U.S.New York also has one of the\u00a0lowest uninsured driver rates at 4%, reflecting stronger insurance requirements than most states Counties in New York With Most Vehicle vs. Animal Crashes <\/p>\n Bus from Hudson Valley Crashes on New York Highway, About 60 Hurt<\/p>\n A bus from the Hudson Valley rolled over on a New York State highway sending all to hospitals.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"A new state-by-state analysis finds that New York ranks highest nationwide in post-crash financial exposure. New York drivers…\n","protected":false},"author":2,"featured_media":102631,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[4632,53,288,678,19515,3764,9,11,10,12],"class_list":{"0":"post-104947","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-new-york","8":"tag-around-the-hudson-valley","9":"tag-articles","10":"tag-business","11":"tag-entertainment-news","12":"tag-hudson-valley-events","13":"tag-hudson-valley-news","14":"tag-new-york","15":"tag-new-york-headlines","16":"tag-new-york-news","17":"tag-news"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/posts\/104947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/comments?post=104947"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/posts\/104947\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/media\/102631"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/media?parent=104947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/categories?post=104947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ny\/wp-json\/wp\/v2\/tags?post=104947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Hudson](\"https:\/\/www.newsbeep.com\/us-ny\/wp-content\/uploads\/2026\/01\/hudsonvalleypost.png\")
The analysis shows that while New York\u2019s stricter insurance laws help reduce underinsurance, the severity of financial outcomes when crashes do occur is unmatched.\u00a0High medical costs, dense urban traffic, and large jury verdicts mean even well-insured drivers can face significant exposure after a serious accident. Full analysis and methodology details at Alperlaw.com<\/a><\/p>\n