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What Are No-Fault Benefits?

New York has in place a no-fault law which provides certain benefits to drivers and passengers involved in auto accidents no matter who was at fault for the accident. These benefits are also called Personal Injury Protection (“PIP”).

The vehicle that you were in at the time of the accident will have an insurance policy that will provide you with no-fault benefits. If you are a pedestrian or a bicyclist involved in an accident, the vehicle that struck you will provide no-fault benefits through its insurance policy.

These benefits will pay for your hospital visit and other medical care, including prescription medication. No-fault benefits will also pay a portion of your lost wages as well as the cost of household help and travel expenses to the medical doctors.

Most no-fault benefits are limited to $50,000 unless the vehicle owner has obtained additional no-fault coverage.