Onrec iconOnrecSep 22, 2026 ~1 min source read

5 Things to Know About Liability After a Car Accident in New York

Knowing how liability works here isn't optional if you want to protect yourself. New York Is a No-Fault Insurance State New York runs on a no-fault insurance system, which means your own auto insurance policy covers your medical expenses and lost wages after a crash, regardless of who caused it.

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Knowing how liability works here isn't optional if you want to protect yourself.

New York Is a No-Fault Insurance State New York runs on a no-fault insurance system, which means your own auto insurance policy covers your medical expenses and lost wages after a crash, regardless of who...

Every driver must carry Personal Injury Protection (PIP) coverage with a minimum of $50,000 per person, and that coverage pays first.

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The useful part

Knowing how liability works here isn't optional if you want to protect yourself. New York Is a No-Fault Insurance State New York runs on a no-fault insurance system, which means your own auto insurance policy covers your medical expenses and lost wages after a crash, regardless of who caused it. Every driver must carry Personal Injury Protection (PIP) coverage with a minimum of $50,000 per person, and that coverage pays first.

How it works

  • The no-fault system was designed to expedite compensation and keep minor disputes out of court.

Details worth keeping

Here are five things worth understanding after a crash in the state.

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