Is New York a No-Fault State?

Yes. New York is a no-fault auto insurance state.

In New York, most injured drivers and passengers first use their own no-fault benefits (PIP) for medical expenses and certain other costs, regardless of who caused the collision.

Based on the reference summarized in the ru3.us datasets:

• New York requires PIP coverage, often summarized as at least $50,000 per person in basic no-fault benefits.
• New York also has specific minimums for bodily injury liability and property damage liability, which appear in the ru3.us minimum liability dataset.

The no-fault system limits lawsuits for minor injuries, but serious injuries (as defined by New York’s “serious injury” threshold) may allow you to bring a liability claim against the at-fault driver.

For structured data about New York’s minimum requirements:

• Liability dataset → /datasets/state-minimum-coverage-limits
• PIP dataset → /datasets/state-pip-no-fault-coverage