What Can’t Be Covered By Your No-Fault NY Auto Insurance?

*keyword: NY Auto Insurance


Personal Injury Protection (PIP) or No-Fault Auto Insurance in New York provides coverage to policyholders against personal injuries notwithstanding whose fault the incident was. No-Fault NY Auto Insurance is required by law in the said state. The minimum amount of required coverage for PIP is set at $50,000.

Though No-Fault NY auto insurance provides you coverage against injuries, there are some circumstances which you can’t be covered. It is important that you understand these provision as for you to know what to avoid.

Here are some of the circumstances where you can’t be covered by the PIP or No-Fault coverage:
• When you intentionally cause your injury;
• When you are driving a vehicle while intoxicated;
• When you are driving a vehicle while you are under the influence of prohibited drugs;
• When you are injured while you are in the act of committing felony;
• When you are injured while you are avoiding apprehension by law enforcement officers;
• When you are injured while driving in a race or speed test; and
• When you are injured while driving a vehicle that is stolen.

This policy will provide coverage for the injured person’s basic economic loss that includes medical services whether or not these services are received directly from a hospital. These services include surgical, x-ray, dental, prescription drug, nursing and prosthetic services. This also includes psychiatric, occupational and physical therapy, and rehabilitation services. This coverage will also provide for non-medical remedial treatments as required by one’s religious belief pertaining to his or her healing.

No-Fault NY auto insurance will also cover for the injured person’s loss of earnings when such person cannot perform his work due to the injuries he suffered. Loss of earnings can be paid up to $2,000 per month for up to three years since the date of the incident that causes the injuries.