In the State of New York, the no-fault insurance system ensures that individuals involved in car accidents receive prompt medical care and wage compensation, regardless of who caused the accident. This system is built on the foundation of Personal Injury Protection (PIP) and is mandatory for all registered vehicles in the state.
By law, all vehicles must carry a minimum of $50,000 in PIP coverage, which is meant to cover essential post-accident expenses like medical treatment, rehabilitation, lost income, and other necessary services.
For those exploring legal actions beyond no-fault, check out How to Sue Someone: Navigating the Legal Process.
No-fault coverage in New York extends to:
Drivers and passengers in the insured vehicle
Pedestrians struck by the insured vehicle
Cyclists, depending on the circumstances
Policyholders, even if they weren’t driving at the time
It’s important to note that motorcyclists, people driving under the influence, and individuals committing a felony at the time of the accident are typically excluded from no-fault coverage.
New York’s no-fault insurance law imposes strict deadlines that must be followed:
File the NF-2 Application for Benefits within 30 days of the accident
Medical providers must submit bills within 45 days of treatment
Submit documentation for lost wages and other reimbursements within 90 days
Failure to adhere to these timeframes could result in a denial of benefits—even if you are otherwise eligible.
Promptly notify:
Your auto insurance provider
The police, especially when injuries are involved
Your employer, if time off from work is expected
Maintain detailed documentation, including a copy of the MV-104 accident report filed with the DMV.
Your insurance company is legally required to provide you with the No-Fault Application (NF-2) within five business days of being notified about the accident. If not received, request it directly.
The form asks for:
Personal information
Accident details
Description of injuries
Medical provider details
Be accurate and consistent across all documentation to avoid delays or rejections.
The completed NF-2 form must be submitted within 30 days of the accident. Any delay must be justified with documentation. Otherwise, your claim could be denied for failure to comply with the mandatory filing deadline.
Medical professionals must:
Submit their bills to the insurer within 45 days of treatment
Include all treatment plans, diagnostic tests, and referrals
You are not required to pay upfront for covered treatments—the insurance company pays directly to providers if submitted correctly.
For lost income, submit:
A statement from your employer verifying absence from work and your earnings
A physician’s note confirming inability to work
You can also claim up to $25 per day for services like:
Transportation to medical appointments
Housekeeping assistance
Prescription medications
Always keep detailed receipts and submit all supporting documents in a timely manner.
For advice on choosing representation, check out How to Find the Best Lawyer Online in 2025.
Here’s what your no-fault PIP benefits may include:
Medical expenses (hospital, surgical, diagnostic, and rehabilitative)
Up to 80% of lost income, capped at $2,000/month for up to 3 years
Incidental expenses, such as transportation and household help
A $2,000 death benefit, in addition to the $50,000 medical cap
No-fault insurance does not cover:
Vehicle damage (use collision or comprehensive coverage)
Pain and suffering or emotional distress
Property damage to others
Injuries resulting from DUI/DWI, intentional harm, or criminal acts
In cases involving deceit or bad faith practices, read Top Insurance Company Tricks to Avoid After an Accident – Protect Your Claim.
You can bypass the no-fault system and sue the negligent party if you sustained a “serious injury”, as defined by New York Insurance Law Section 5102(d), including:
Fractures
Significant disfigurement
Permanent limitation of a body part or organ
Loss of a fetus
Inability to perform daily activities for at least 90 days within 180 days following the accident
In these cases, you can pursue additional damages for pain and suffering, future medical bills, and emotional trauma.
Your claim might be denied due to:
Missing or late documentation
Incomplete NF-2 forms
Lack of medical necessity
Contradictory statements or evidence
To fight a denial:
Request a detailed denial letter
Consult with a personal injury attorney
File a complaint with the New York State Department of Financial Services
Avoid these frequent errors:
Delaying medical care
Failing to submit forms on time
Ignoring requests for Independent Medical Examinations (IMEs)
Not checking that your providers submit bills on time
Misstating facts on official forms
Each of these mistakes can weaken or completely destroy your chances of receiving benefits.
Get medical treatment immediately after the accident
Maintain a timeline of your treatments and appointments
Store copies of all paperwork, bills, and receipts
Work closely with your insurance adjuster
Don’t hesitate to seek legal help if the process becomes complex or combative
Filing a no-fault insurance claim in New York is a strictly regulated process that requires timeliness, accuracy, and diligence. By understanding what’s covered, meeting deadlines, and keeping meticulous records, you’ll put yourself in the best position to secure the benefits you deserve.
If you’ve suffered a serious injury, you may also be eligible to step outside the no-fault system and sue for further compensation. Always consult a professional if you’re unsure or face resistance from insurance companies.
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