Q: What does having no fault insurance mean?
A: It means that if you are in an accident, your insurance company must cover the expenses associated with your accident, regardless of who is at fault.
No fault insurance is the basic insurance that every vehicle in New York is required to have. It pays for an injured persons lost wages and medical care
In New York, no-fault insurance typically pays for all medical care, lost wages, mileage reimbursement, household help, etc. for a person injured in an automobile accident, regardless of who was at fault for the accident.
For example, if you are a driver or a passenger inside a vehicle, the insurance policy that covers that vehicle will pay for the medical costs.
If you are a pedestrian struck by a vehicle, the insurance policy that covers the vehicle that struck you will pay for the medical costs.
If you are involved in an accident with a vehicle that left the scene or is uninsured at the time of the accident, and you reside within a household that has a vehicle, the insurance policy that covers the household vehicle will pay for the medical costs.
Typically, no-fault insurance contains policy limits of up to $50,000 in possible medical expenses, and up to $2,000 for lost wages. Some carrier have additional personal injury protection (known as PIP) that might cover additional medical expenses or lost wages, but it all depends on the available insurance.
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