What insurance coverage is necessary for consecutive claims?

Liability coverage is essential for consecutive claims because it is the fundamental type of car insurance required in New York State and most other states. This coverage protects the policyholder from claims made by others for bodily injury or property damage resulting from an accident where the policyholder is at fault.

When multiple claims occur in a consecutive manner—such as multiple accidents within a certain timeframe—having adequate liability coverage ensures that the policyholder can meet their financial responsibilities to other parties involved in those accidents. In such cases, liability coverage provides protection against lawsuits or claims made for damages caused by the insured, which can help the insured avoid significant out-of-pocket expenses should they face multiple claims.

Although the other types of coverage, such as collision, comprehensive, and underinsured motorist coverage, are important for different circumstances, they do not primarily address the need to defend against and settle claims due to liability. Collision coverage assists with damages to the policyholder's own vehicle after an accident, comprehensive coverage deals with non-collision-related incidents (like theft or weather damage), and underinsured motorist coverage protects the policyholder when involved with another driver who doesn't have enough insurance. However, none of these are directly focused on protecting against the financial implications of being at fault for injuries