Quick Answer PIP (Personal Injury Protection) insurance in New York is the No-Fault insurance required on all auto policies. It covers medical expenses, lost wages (up to $2,000/month), and other reasonable costs up to $50,000 — regardless of who caused the accident. MAIC accepts all PIP/No-Fault carriers.

PIP and No-Fault: Same Thing

In New York, Personal Injury Protection (PIP) and No-Fault insurance refer to the same benefit — the portion of your auto insurance policy that pays for medical treatment and lost wages following a car accident, regardless of fault. All New York auto insurance policies are required by law to include a minimum of $50,000 in PIP/No-Fault coverage per person.

What PIP Covers

  • Medical treatment: all reasonable and necessary medical expenses related to accident injuries, including evaluation, imaging, specialist care, and rehabilitation
  • Lost wages: up to $2,000 per month for up to 3 years if injuries prevent you from working
  • Transportation: costs of getting to and from medical appointments
  • Death benefit: $2,000 in case of fatal accident

Enhanced PIP

New York drivers can purchase Enhanced PIP coverage above the $50,000 minimum — up to $100,000 or more. Serious injuries from significant accidents can exhaust the $50,000 minimum, making enhanced coverage valuable. Check your policy's declarations page to see your current PIP limit.

MAIC accepts PIP/No-Fault from all New York auto insurance carriers. Call (888) 991-5290.