New York no-fault law mandates that every person injured in a motor vehicle accident receive payment for medical costs, lost earnings and other reasonable expenses. This “personal injury protection” (or PIP) is informally known as “no-fault” because the insurance company is required to provide coverage regardless of who was at fault for the accident. Accident injury victims are eligible to receive no-fault benefits if:

  1. They were injured in an automobile accident;
  2. They were a pedestrian, bicyclist or snowmobile rider struck by an automobile, motorcycle or ATV; or
  3. They were hurt during the use, operation or maintenance of a motor vehicle.