New York State No Fault Car Insurance Rules

No-Fault Coverage

Most commonly known as 25/50/10 coverage, New York State's insurance law mandates all motorists to carry a minimum amount of property liability insurance, $10,000; $25,000 for bodily injury to one person, $50,000 for bodily injury to all people, and property damage. According to the "no-fault" policy, a mandatory additional coverage of $50,000 applies for all New Yorkers. This is because no-fault entails coverage for damages done to all vehicles and the medical costs for all parties involved in the accident.

New York Resident Policy

New York's no-fault insurance program offers convenient payment for expenses, such as medical care for treatment of injuries and it safeguards against lawsuits for pain and suffering in cases that do not involve serious injuries. All insurance companies licensed to sell auto insurance within New York are required to partake in the no-fault insurance program, which means they are automatically required to cover the medical bills of their customers. This prevents many conflicts for New York drivers.

Non-New York Resident Policy

In cases in which a non-New York resident has been in an accident in New York, the no-fault insurance policy only applies to the out-of-stater if he has auto insurance through a national insurer who sells auto insurance policies in New York or another insurer who participates in New York's no fault car insurance program. In these cases even if the out-of-state motorist's policy does not include a no-fault provision, the insurer is still required to cover the cost of any expenses or medical bills resulting from an accident in New York. Regulation 68, as noted in the 2007 Consumer Guide to Auto Insurance, states that No-Fault Benefits-Personal Injury Protection (PIP), under the coverage of the insurer, covers the driver and passengers for the costs of all damages resulting from an accident.

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