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Is New York a No-Fault State? Understanding New York Car Insurance

Updated:

8/20/2024

Table Of Contents

Is New York a No-Fault State? Understanding New York Car Insurance

By

Matthew Tomkiel is a third-generation attorney. His grandfather and father have represented injured workers since the 1970’s. Matthew has continued the family profession since 2003.

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Frequently Asked Questions

What if the at-fault driver is uninsured or underinsured?

If the at-fault driver lacks sufficient insurance coverage, your own uninsured/underinsured motorist coverage may provide additional protection. A car accident lawyer can help you pursue the maximum compensation available.

Can I still sue for pain and suffering even if I don't meet the serious injury threshold?

In most cases, no. The no-fault system restricts lawsuits for pain and suffering unless the serious injury threshold is met. However, there may be exceptions depending on the circumstances of your case.

How do I know if my injuries meet the "serious injury" threshold?

Determining whether your injuries meet the serious injury threshold can be complex and requires a thorough evaluation of your medical records. It's best to consult with a car accident lawyer who can assess your case and advise you on the best course of action.

What is the minimum amount of pip coverage required in New York?

The minimum PIP coverage required in New York is $50,000 per person. However, it's advisable to consider higher coverage limits for greater financial protection.