The required car insurance in New York includes PIP insurance in the amounts of $50,000 for the death/injury of one person and $100,000 for the deaths/injuries of two or more people in an accident. PIP covers both economic and, in cases of serious injury, non-economic damages, regardless of who caused an accident.
What is covered by PIP Insurance in New York?
Economic damages include:
- Medical expenses such as:
- Hospital medical bills
- Occupational therapy
- Physical therapy
- Prescription drugs
- Professional health services
- Non-medical remedial care in accordance with a religious method of healing
- Lost wages up to $2,000 per month for a maximum of three years following the date of the car accident
- Reasonable and necessary expenses, including:
- Household help
- Transportation to medical providers for a driver, passenger, or pedestrian injured in an accident
- All other expenses up to $25 per day for up to one year from date of injury
- $2,000 death benefit
Non-economic losses apply only if you were “seriously injured” in an accident. New York insurance law defines a serious injury as one that results in:
- Loss of fetus
- Permanent consequential limitation of use of a body system or function
- Permanent loss of use of a body organ, function, system, or member
- Significant disfigurement
- Medically determined injury or impairment of a non-permanent nature that prevents someone from performing substantially all of their usual and customary daily activities for at least 90 days following the 180 days after the injury or impairment1
If these conditions apply, you can file a PIP claim and recover money for your pain and suffering.
PIP does not pay for any car repairs or accidents that occur outside of the U.S. It generally covers only the driver, their passengers, and any pedestrians involved, not anyone in another vehicle. However, the following circumstances make a collision ineligible for PIP benefits: