What is No Fault Insurance?
No-Fault Insurance in New York State was designed to ensure that regardless of fault; an insurance company will pay drivers, passengers, pedestrians, and bicyclists up to $50,000.00 for economic losses. This includes: ambulance and hospital expenses, doctor bills, prescription drugs, diagnostic tests such as x-rays and MRI’s as well as therapeutic services such as physical therapy. It also includes your lost wages. It does not include compensation for pain and suffering. If you were involved in a car accident, and have been injured, you will require a doctor who accepts No Fault Insurance.