Is New York a No-Fault Insurance State? What You Should Know

Is No-Fault Insurance Mandatory in New York?

If you’re driving in New York, it’s not just smart to have insurance—it’s legally required. So, what exactly does the law say about no-fault insurance in New York State?

Yes, It’s Mandatory

All vehicles registered in New York must carry no-fault insurance (Personal Injury Protection or PIP). This coverage is mandatory under New York State law to ensure that drivers and passengers receive immediate medical care after an accident.

Required Minimum No-Fault Coverage in New York

Under New York law, every driver must carry specific insurance coverage to stay compliant and protected. This includes Personal Injury Protection (PIP), which helps pay for medical expenses, lost wages, and other accident-related costs — regardless of who caused the crash.

The law requires at least:

• $50,000 per person in PIP benefits

• Additional liability coverage for injuries to others and property damage

These limits represent the legal minimums in New York. However, they may not be enough if a serious accident occurs.

Many drivers choose to increase their coverage beyond the state’s basic requirements. Having higher limits can help cover long-term medical treatment, rehabilitation, or lost income, and provides greater peace of mind knowing you’re fully protected.

Penalties for Driving Without No-Fault Insurance

Driving without no-fault insurance in New York is taken seriously and can lead to costly and stressful consequences. The state requires every registered vehicle to be insured at all times—there are no exceptions. If you’re caught driving without coverage, you could face:

• Fines and penalties of up to $1,500 for operating an uninsured vehicle

• Suspension or revocation of your driver’s license and registration, making it illegal to drive until the issue is resolved

• Vehicle impoundment, which can add towing and storage fees on top of fines

• Civil liability for all accident-related expenses, meaning you could be personally responsible for medical bills, property damage, and other costs if a crash occurs

Beyond the financial impact, being uninsured can leave you vulnerable in the event of an accident. Keeping your coverage active protects both your wallet and your legal standing on the road.

How No-Fault Insurance Protects You After an Accident

No-fault coverage ensures that you’re not stuck waiting for a court decision to receive medical care. It provides access to doctors, treatment, and partial wage reimbursement immediately following an accident.

Grigor Law’s Legal Insight on No-Fault Coverage

At Grigor Law Injury & Car Accident Lawyers, we frequently assist clients who have gaps in coverage, were wrongfully denied benefits, or have been penalized for insurance lapses.

If you’re unsure about your policy or recent penalties, don’t wait. Reach out now. We offer confidential consultations to review your New York State no-fault insurance compliance.