NY is a no-fault state. PIP (Personal Injury Protection) on your auto policy pays medical expenses regardless of fault, up to $50,000. Most policies also include short-distance accident tow coverage regardless of fault.
If you're in an accident with injuries, your own PIP coverage pays first — don't wait on the other driver's carrier for medical bills.
Tow coverage varies by policy. Read your declarations page. We handle direct-bill for any carrier in NY.
