To learn more about personal injury protection (PIP), continue reading and reach out to one of our skilled Ulster County auto accident lawyers today. Our legal team is on your side.
What is PIP in New York?
The state of New York has a number of different components to its insurance policies. At the most basic level, it features liability coverage, which pays for damages to the other car and medical and other costs if you hit someone and you are at fault. Additionally, your New York auto policy will need statutory uninsured motorist bodily injury coverage to help protect your injuries and your passengers’ injuries in the event that someone hits your vehicle and does not have insurance.
Furthermore, some states, including New York, requires PIP coverage. PIP generally covers medical expenses, lost wages, and essential services for you and your passengers, no matter who was at fault in the accident.
How does PIP work?
In the event that you were injured in an auto accident with a New York car insurance policy, PIP coverage will pay your medical expenses up to your policy’s limit no matter who was at fault. New York is a no-fault state, which means that your PIP coverage pays first. However, “no-fault” insurance doesn’t mean that fault is never determined from an auto accident. While your PIP coverage pays first, if the other party caused the crash, their liability coverage should cover your medical bills after fault is established.
Is PIP required?
PIP insurance in New York is required. This means that you are mandated by law to have it as part of your auto insurance policy. Almost every state in the U.S. requires motorists to have a certain amount of minimum car insurance to drive legally, including liability coverage. In New York, the minimum coverage requirements are as follows:
- $25,000 for bodily injury liability per person in an accident
- $50,000 for bodily injury liability per accident
- $10,000 property damage liability per accident.
- $50,000 personal injury protection (PIP)
- $25,000 statutory uninsured motorist bodily injury per person
- $50,000 statutory uninsured motorist bodily injury per accident
With uninsured motorist statutory coverage, coverage is only provided if the accident were to occur within New York. In the event that you cross state lines, statutory coverage would not apply. Supplemental uninsured motorist coverage is another coverage option for a New York car insurance policy and offers uninsured and underinsured motorist coverage outside of the state. To learn more about PIP, reach out to our skilled Ulster County auto accident lawyers today.
