What if I am injured on a bus? Who pays?

If you sustain an injury while on a bus, all No-Fault benefits are paid by your own personal auto carrier or of any policies issued to any relative residents. Learn more about bus-accident compensation.

What is Supplemental Underinsurance Protection (SUM)?

Similar to an uninsured motorist claim, if the parties responsible for your accident do not have ENOUGH liability insurance to compensate you for the full value of your case, you can make a claim for SUM benefits with the insurance carrier for the car you are in when the accident occurs. Learn more about Supplemental Underinsurance Protection.

I fell on a city sidewalk or cross-walk. Who is responsible for my claim?

For cases in NYC, if the defect that caused your accident is on the sidewalk and if it is in front of a single or two family home, the City of NY is liable for your injuries, but only if there is “prior written notice”. Learn more about claim responsibility for sidewalk or cross-walk injuries.

What are the minimum insurance limits in NY?

In New York, all cars are required to have at a minimum the following insurance: $25,000/$50,000 for liability, $10,000 for property damage, $25,000/$50,000 for UM coverage and $50,000 for No-Fault coverage. Learn more about minimum insurance limits.

Several cars caused my accident. Who is liable to me for my injuries?

New York is a comparative negligence state. This means that liability is based upon percentage of fault. For example, if you are a passenger in a car that has an accident with another vehicle, and it is determined that each car is 50% at fault, then each respective insurance company will generally pay for 50% of the value of your case. Learn more about car accident liability.

What is Uninsured Motorist Protection (UM)?

Every car in New York is required to have at a minimum 25/50 in uninsured motorist protection.  This means, if you are involved in a hit and run accident or if the vehicle that caused your accident does not have any insurance, you can make an uninsured motorist claim (your claim for pain and suffering) with the insurance carrier for the car that you are in when the accident occurs. Learn more about uninsured motorist protection.

Why do you want my personal automobile insurance or my family’s auto insurance if that car wasn’t involved in the accident?

Learn about why this information is needed.

What is Pain and Suffering?

Learn about what constitutes pain and suffering, and the ability to recover for pain and suffering in New York.

Can I recover for my lost wages?

For an automobile accident, the No-Fault carrier (see above) will pay you 80% of your actual incurred lost wages, with a maximum of $2,000 a month (unless you have an APIL or OBEL policy, which is like extra No Fault coverage). Read more about lost wage recovery in New York.

What is No-Fault Insurance?

New York is a No-Fault state, which means that everyone involved in motor vehicle accident in New York (with the…