Your No Fault Insurance Policy Pay These Medical & Other Expenses If You Are Injured in A Car Crash

Basic facts about no-fault insurance in New York
No-fault insurance provides a minimum of $25,000 per person and $50,000 in total coverage for out-of-pocket medical expenses caused by an accident. This coverage, also known as “personal injury protection” (PIP) or “medical benefits” coverage, will pay only for costs that are related to the victim’s injuries.
The No Fault Law Was Enacted To Limit The Personal Injury Claims That Can Be Filed Against The Adverse Driver. The Quid Pro Quo Was – Your Car’s Insurance Will Pay For YOUR Medical Treatment Even If You Were 100% At Fault In Causing The Accident BUT You Can only File A Claim For Personal Injuries Against The Adverse Driver If You Sustained A “Serious Injury” As Defined In Section 5102(d) Of The New York State Insurance Law.
“Serious injury” means a personal injury which results in death;  dismemberment;  significant disfigurement;  a fracture;  loss of a fetus;  permanent loss of use of a body organ, member, function or system;  permanent consequential limitation of use of a body organ or member;  significant limitation of use of a body function or system;  or a medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person's usual and customary daily activities for not less than ninety days during the one hundred eighty days immediately following the occurrence of the injury or impairment.

Claims for property damage fall outside of no-fault insurance, but New York drivers are required to carry a minimum of $10,000 in coverage for property damage that they cause in an accident.
Expenses that are covered by New York no-fault claims may include:
(1) Medical Treatment & Doctors Visits
(2) Lost Wages
(4) Medical transportation costs to and from medical appointments
(5) In-home help if you can prove that your doctor has concluded you are unable to perform those tasks

Who is covered by a no-fault insurance policy?
No-fault benefits apply to anyone riding in the insured vehicle, or a pedestrian or cyclist who was hit by the insured vehicle. Motorcyclists and their passengers aren’t covered by no-fault insurance policies. Motorcyclists must obtain alternate insurance coverage. Likewise, if you’re in a vehicle owned by someone who lives in your household who does not carry insurance, then you won’t be covered. However, if the uninsured vehicle is owned by someone outside your household, you will likely be eligible for coverage under your own insurance policy, or the policy of someone else in your household.
Claims for property damage fall outside of no-fault insurance, but New York drivers are required to carry a minimum of $10,000 in coverage for property damage that they cause in an accident.

[marcelloortiz]

Good morning Mr Rizzuto.
What recourse do I have with my No Fault insurance, when my company refuses to complete my No Fault application sent to them by my car Insurance? No Faluth has paid for my on-going medical treatments and DMEs, but GEICO will/Has not paid me my lost wages (almost 3 months now) They state they will not pay me unless my company (Centene) completes the application. They (STD) is paying and has confirmed my employment status and salary with Centene, but Centene refuses to do the same for my No Fault.