I have a 2009 Nissan Sentra. It was my understanding that in NYS, if you have a lien on a vehicle, the vehicle must have collision and liability coverage. I purchased the vehicle from a 'Buy here, Pay here' place and have an official lien on the title. I chose Progressive and filled out everything I needed to online. I now look at the history and it says i have liability but not collision/comprehensive coverage. I sent the car dealer the insurance information before we finalized everything and put the car on the road. They apparently didn't look at it and went ahead and got the car on the road. I've had the car 6 months.
Today I was in an accident that didn't involve anyone else. The car is completely totalled. I'm just wondering if Progressive or the dealership made an error and are somehow responsible because of the legality of having to have comprehensive coverage in NYS . The dealership is claiming I changed my insurance to save money, but they're the ones that signed off on what I gave them. Without collision coverage I'm essentially out of a car and still have to pay the dealership for it. I just want to know where I stand in all of this. Thanks