Quick Answer New York No-Fault insurance (PIP) covers medical treatment, lost wages, and other expenses after a car accident — regardless of who was at fault. Coverage kicks in immediately and covers up to $50,000. You must seek treatment within 30 days of the accident. MAIC accepts all NY No-Fault carriers.

The Basics: What No-Fault Is

New York is a No-Fault auto insurance state. This means that after a car accident, your own auto insurance policy — through its Personal Injury Protection (PIP) component — pays for your medical treatment up to a mandatory minimum of $50,000. You do not need to prove fault, file a lawsuit, or pay out of pocket to access these benefits.

Who Is Covered

No-Fault covers the policyholder and all passengers in the vehicle at the time of the accident. Pedestrians struck by an insured vehicle can claim No-Fault benefits through the vehicle's insurance policy. Motorcyclists are not covered by No-Fault for their own motorcycle insurance, but may be able to claim through the at-fault driver's policy if struck by an insured vehicle.

What Is Covered

  • All necessary medical treatment related to accident injuries
  • Lost wages — up to $2,000 per month for up to 3 years
  • Transportation costs to medical appointments
  • Other reasonable out-of-pocket expenses related to the accident

The 30-Day Deadline

You must submit a completed NF-2 application to your insurance company within 30 days of the accident. Missing this deadline can result in total denial of No-Fault benefits — even if your injuries are serious. MAIC's intake team helps all patients complete the NF-2 at their first visit.

Call (888) 991-5290 for same-day care — MAIC handles all No-Fault billing and authorization.