New York has no-fault insurance laws designed to ensure medical care is provided after a car accident as quickly as possible. Personal injury protection (PIP) coverage steps in to help pay for any medical expenses for the driver, passengers, and pedestrians injured by a motor vehicle, regardless of who was at fault.
No-fault coverage doesn't pay for property damage costs, only medical, and is meant to kick in before your health insurance. In other words, if medical attention is needed after an accident, no-fault coverage would pay first and your health insurance would cover fees after your PIP limits are exceeded.
As a plus, if you or a relative living with you is hurt in a car accident anywhere in the U.S. or Canada, your New York no-fault policy has you covered.