LegalMay 19, 2026

Tip #61: New York No-Fault (PIP) Coverage Basics

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 includ…

Tip #61: New York No-Fault (PIP) Coverage Basics — NYC Roadside Emergency Assistance
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3 min read

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.

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