Because New York is a no-fault state, people in car accidents must first turn to their own insurance policies for damages like medical bills and lost wages. Their mandatory PIP coverage applies regardless of who was at fault in the accident.nNew York's minimum car insurance requirements mandate at least $50,000 in PIP coverage. You can purchase additional PIP coverage if you're worried about medical bills and other economic losses exceeding $50,000.nYou must file a PIP claim with your insurance company within 30 days after your accident. You can only submit a claim after 30 days with written proof that provides a “clear and reasonable” justification for the delay. You must also submit medical bills to your PIP provider within 45 days of treatment.nIf you have questions about how New York's no fault law applies to your case, contact our skilled PIP coverage claims lawyer quickly so you don't miss important deadlines. We are here to help.