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New York Is A No Fault State

No Fault Benefits

These are benefits paid by the insurance company of the car you were driving, was a passenger in or were struck by as a pedestrian, regardless of fault as to the cause of the accident. These benefits include payment of medical bills, prescription drugs, lost wages, housekeeping and/or transportation to and from medical providers, all as the result of the accident. There is a very short time, only 30 days from the date of the accident, in order to file an application for these benefits.

New York is a No-Fault Insurance State

Drivers who are involved in automobile accidents should be aware of their states’ laws regarding auto insurance. 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.

The state of New York also requires registered motor vehicles to have liability insurance with certain minimum coverage amounts:

  • $25,000/$50,000 for bodily injury per person
  • $50,000/$100,000 for death
  • $10,000 for property damage per accident

For additional information on insurance coverage requirements, please visit New York’s Department of Motor Vehicles website.