What are New York's No Fault Insurance Laws?

According to New York no fault insurance law, motorists are required to carry a minimum of $50,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage, plus Under Insured coverage in the amount of $25,000.00 to $50,000.00 as well as Uninsured Motorist coverage in the amount of $25,000.00 to $50,000. This insurance coverage is called a 50-10-25 plan.

Additionally, to simplify the state's law associated with no-fault accidents, New York allows a motorist who is involved in an accident to recover certain costs associated with the incident. These entitlements include: coverage for medical expenses, lost wages, recoveries for pain and suffering and legal defense if the policy-holder is involved in a lawsuit resulting from an incident.

New York insurers further encourage motorists to purchase additional coverage based on a range of supplementary programs including:

• No APIP, no work loss - This program maintains the motorist's state-required PIP coverage with no additional coverage. Lost wages are not covered if the motorist's passengers are unable to work.
• No APIP, work loss only - Supplements the motorist's state-required PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to accident-related injuries, work loss coverage helps recover lost wages, up to $2,000 per month, per accident.
• Out-of-state, no work loss - Extends the motorist's state-required PIP coverage to guest occupants. Lost wages are not covered if the motorist or his/her passengers are unable to work.
• Out-of-state plus work loss - Extends the motorist's state-required PIP coverage to guest occupants. This program supplements basic PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to accident-related injuries, work loss coverage helps recover lost wages, up to $2,000 per month, per accident.
• Full APIP no work loss - Extends the motorist's state-required PIP coverage to guest occupants and increases the motorist's PIP coverage to a limit of $100,000. Lost wages are not covered if the motorist or one's passengers are unable to work.
• Full APIP plus work loss - Extends the motorist's state-required PIP coverage to guest occupants and increases one's PIP coverage to a limit of $100,000. Additionally, the program supplements the motorist's basic PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to incident-related injuries, work loss coverage helps recover lost wages, up to $4,000 per month, per event.