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In New York State, if you are in an accident, the insurance company of the vehicle you were in (as a driver or passenger) must cover up to $50,000 of your lost wages and medical bills. This coverage is called \u201cno-fault\u201d and is required by New York State law.
New York's "no-fault" car insurance rules mean your own insurance covers your medical bills and other losses after an accident. Your options for pursuing a lawsuit and recovering compensation for losses like "pain and suffering" are limited when you're injured in a car accident in New York.
Filing a No-Fault Insurance Claim The basic requirements of filing a no-fault claim in New York are: Submit the no-fault application (Form NF-2) File the claim application within 30-days of the accident. Notify the New York State Motor Vehicle Accident Indemnification Corporation.
New York is a \u201cno-fault\u201d insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident. Insureds can be reimbursed for medical costs and other losses that might surface after the accident.
Generally, a no-fault accident won't cause your car insurance rates to rise. This is because the at-fault party's insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn't need to fork out money, your premiums won't go up.
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People also ask

In the state of New York, individuals who get into car accidents fall under the state's \u201cno-fault\u201d law. In a no-fault state, each party and their insurance company is responsible for the cost of damages to their own property, but things can get tricky.
The state of New York does not require you to report your accident to your insurance carrier.
Non-fault claims are ones where you've made an insurance claim, but your insurance company has been able to reclaim all their costs from the person whose fault it was (or their insurer). This is different to a claim where you might not have been to blame, but your insurer hasn't been able to recoup their outlay.
New York is a No-Fault state. This means that we have a system of rules in place to make sure that people injured in car accidents have medical, lost wage, and out-of-pocket insurance coverage.
New York state's laws outline a pure comparative negligence model when determining how much each party is at fault for causing an accident. For example, after an investigation, evidence may reveal that one motorist was partially responsible for an accident by only 20%.

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