What is No-Fault Auto Insurance?

No-fault insurance is a type of auto insurance coverage that helps pay for your or your passengers' medical bills if you are injured in an accident, regardless of who caused the accident. No-fault insurance is also called personal injury protection, or PIP. New York is one of a few states who follow this type of system. PIP is a mandatory and not an optional part of your New York auto policy.  The minimum amount of PIP coverage in New York is $50,000. You can purchase more PIP for extra premium.

What is Covered under No-Fault?

No-fault helps cover medical and hospital bills if you or your passengers are injured in a car accident. It may help to pay for expenses related to personal injuries such as:

• Your health insurance deductible
• Expenses that exceed your health insurance coverage limits
• Lost income as a result of your injuries
• Funeral expenses

What is Not Covered under No-Fault?

No-fault does not cover bills or payments that are not related to personal injuries after a car accident. These include:

• Damage to your vehicle (collision insurance covers this)
• Vehicle theft (comprehensive insurance covers this)
• Damage to other people's property (liability insurance covers this)

No-Fault insurance can be a complex issue. Here are some Resources from NY regarding No-Fault auto insurance.

Pepe Insurance Agency is your trusted local insurance agent located at Poughquag, NY in Dutchess County. We do our best to make sure that our clients are well-protected with affordable auto insurance. We make sure to go the extra mile to help you with your needs. To learn more about auto insurance and to obtain a free quote, click on the button below.

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