No-Faut insurance is also known as Personal Injury Protection (PIP) coverage. This type of automobile insurance is mandatory in New York State and helps pay for medical expenses, lost earnings from work, and other necessary expenses caused by a motor vehicle accident.

What Does Basic PIP Coverage Cover?

New Yorkers are able to purchase option, additional PIP benefits and Optional Basic Economic Loss (EBEL):

What is not covered by No-Fault Benefits?

The following is a brief overview of what is not covered by No-Fault benefits in New York State.

  1. Driving while intoxicated or impaired by the use of a drug that contributes to the accident, except for emergency health-related services performed in a general hospital or by an ambulance worker outside of a general hospital.
    1. Exception 1: No-Fault carrier is prohibited from raising intoxication as a defense to payment of a claim if it fails to preserve this defense in a timely denial.
    2. Exception 2: In order for an insurance company to deny based on intoxication, the insurer must prove the following:
      1. The eligible injured person (“EIP”) was operating their vehicle in an intoxicated and/or impaired condition and the EIP was injured due to operating their vehicle in an intoxicated and/or impaired condition.
  2. Intentionally causing injuries to themselves.
  3. Riding an ATV (all-terrain vehicle) or a motorcycle as an operator or passenger. A pedestrian struck by a motorcycle or ATV is covered.
  4. Injuries while committing a felony or seeking to avoid arrest by police.
  5. Injuries obtained while racing.
  6. Injuries obtained while driving a stolen vehicle.
  7. Injuries obtained while repairing or servicing a motor vehicle (i.e. repairing a car in a mechanic shop).
  8. Uninsured vehicle.

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Sources

  1. Minimum Auto Insurance Requirements Coverage—No-Fault benefits—Personal Injury Protection (PIP), https://www.dfs.ny.gov/consumers/auto_insurance/minimum_auto_insurance_requirements
  2. Minimum Auto Insurance Requirements Coverage—Basic No-Fault Auto Insurance Coverage Includes, https://www.dfs.ny.gov/consumers/auto_insurance/minimum_auto_insurance_requirements
  3. Options Auto Insurance, https://www.dfs.ny.gov/consumers/auto_insurance/optional_auto_insurance