Does New York State Require No-Fault Insurance?

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 Coverage

The law mandates a minimum of:

• $50,000 per person in PIP benefits

• Additional liability insurance to cover injuries to others and property damage

These are the bare minimums. Depending on your personal and family needs, higher coverage is often recommended.

Consequences of Not Having No-Fault Insurance

Driving without required no-fault insurance in New York can lead to serious legal and financial consequences:

• Fines and penalties up to $1,500

• Suspension or revocation of your driver’s license and registration

• Vehicle impoundment

• Civil liability for all accident-related expenses

How It Protects You

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.

Grigorlaw Legal Insight

At Grigoropoulos Law Group, 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.