Your no fault auto insurance is also known as personal injury protection (PIP) coverage and helps pay the costs of medical expenses for you and your passengers after a car accident. These benefits apply to anyone in your vehicle, regardless of who is at fault for the collision.

Is NY a no-fault state for car accidents?

New York is also a “no-fault” car insurance state, which means your options for pursuing a claim are often limited when you’re injured in a car accident.

Is NY a no-fault state for auto accidents?

New York is also a “no-fault” car insurance state, which means your options for pursuing a claim are often limited when you’re injured in a car accident. Read on to learn more about New York’s no-fault car insurance system, the minimum car insurance coverage requirements in the state, and more.

Why is NY a no-fault state?

New York is a “no-fault” insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident. Insureds can be reimbursed for medical costs and other losses that might surface after the accident.

Is there no fault insurance in New York?

Yes. New York is a No-Fault state. This means that we have a system of rules in place to make sure that people injured in car accidents have medical, lost wage and out of pocket insurance coverage. The term “No fault” has proven to be a bit confusing to people who have never dealt with this type of claim, however.

Why do we have no fault auto insurance?

No fault is simply medical insurance coverage for persons injured in a car crash. No-fault coverage is almost counter-intuitive. The reason is because if you are in an accident and it’s not your fault, then it doesn’t make sense that your own insurance company is going to be paying for your medical bills. But that is the rule.

When do you apply for no fault insurance?

Answer: When the basic No-Fault benefits are consumed, you may apply for Additional No-Fault (Additional PIP) benefits either from the vehicle you occupied or any auto policy of a related member of your household. Additional PIP is an optional coverage which is usually not expensive.

How much money can you get under no fault?

Under No-Fault you are entitled to receive 80% of your crash related lost earnings up to $2000 a month. You will also require a note from your doctor that you are disabled from performing your normal job duties.