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New York is a no-fault state, which means that in addition to liability insurance, drivers need to purchase personal injury protection (PIP). The state also requires uninsured motorist coverage.
24 states originally enacted no-fault laws in some form between 1970 and 1975; several of them have repealed their no-fault laws over time. Colorado repealed its no-fault system in 2003. Florida's no-fault system sunsetted on 1 October 2007, but the Florida legislature passed a new no-fault law which took effect 1 January 2008.
As New York is a no-fault state, PIP coverage kicks in no matter who is at fault for the accident. However, that does not mean that one party is not considered at fault for an accident.
A Michigan no-fault policy provides unlimited medical and rehabilitation benefits. [4] Claimants involved in an auto accident are wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are.
Until 1956, when the New York legislature passed their compulsory insurance law, Massachusetts was the only state in the U.S. that required drivers to get insurance before registration. North Carolina followed suit in 1957 and then in the 1960s and 1970s numerous other states passed similar compulsory insurance laws.
Currently, 12 states follow no-fault insurance laws, with the remaining states and Washington, D.C. being considered at-fault states. In a no-fault state, both parties will file a claim with their ...