What Does No-Fault Insurance Mean in New York State?

If you’ve recently been in a car accident in New York, you may have come across the term no-fault insurance. But what does no-fault insurance actually mean in New York State?

At Grigoropoulos Law Group, we specialize in helping clients understand and navigate the complexities of New York’s no-fault insurance laws. Here’s what you need to know.

What is No-Fault Insurance in New York?

In New York, no-fault insurance refers to a system where your own insurance company pays for your medical expenses, lost wages, and other reasonable and necessary costs arising from an auto accident—regardless of who caused the crash.

This type of insurance is formally known as Personal Injury Protection (PIP) and is mandatory for all vehicles registered in New York State.

Why Does New York Use a No-Fault System?

The no-fault system was introduced to reduce the burden on courts, speed up compensation, and limit the number of personal injury lawsuits arising from minor car accidents.

What Expenses Are Covered?

• Medical expenses related to the accident

• Lost wages (typically up to $2,000/month for up to three years)

• Prescription medications and medical equipment

• Transportation to and from medical appointments

• Necessary household services (such as cleaning help during recovery)

What Isn’t Covered?

No-fault insurance does not cover:

• Vehicle damage

• Pain and suffering

• Emotional trauma

• Property loss

When Can You Sue Outside No-Fault?

You may file a personal injury lawsuit if you experience what New York law defines as a “serious injury,” such as:

• Bone fractures

• Permanent loss of a body organ or function

• Significant disfigurement

• Disability for 90 out of the first 180 days after the accident

At Grigoropoulos Law Group, we help you determine whether your injuries qualify and ensure that you receive full compensation, not just what your PIP provides.

Final Thoughts

No-fault insurance in New York is meant to simplify claims, but it often leaves accident victims feeling confused and undercompensated. That’s where we come in. Contact Grigoropoulos Law Group today to understand your rights and get the support you deserve.