What is No Fault Coverage in New York

Each state has a few coverage differences when it comes to Auto Insurance. No Fault Coverage happens to be one of them.

In New York, No Fault Coverage or also known as Personal Injury Protection is the protection for you and your passengers in the event of an accident with injuries. Medical expenses, lost wages, etc are paid under this coverage, no matter who is at fault in the accident.

New York requires a minimum of $50,000 in coverage by law but drivers should look to always max this coverage out by adding additional personal injury protection.

This is one of the main flaws when trying to buy insurance yourself online without the advice of an independent insurance agent.

To talk to one of our agents follow the information below.
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[twalsh]

Thanks. If someone fails to stop at a stop sign (fender bender), after I file the claim to repair my bumper, will my rates go up typically? This is for NY state.