No-fault insurance is not available in all states, however, in some states, like New York, it is required. Anyone who registers a vehicle in New York State must show proof of insurance which includes no-fault coverage.
No-fault benefits, also called personal injury protection (PIP), are provided by your own car insurance and will pay for your economic loss, such as medical bills, regardless of who was at fault for the accident. It will also cover any passengers in your vehicle at the time of the accident even if someone else caused the accident. If you are a pedestrian or a cyclist injured in a car accident, the insurance carrier for the vehicle that struck you will provide you with no-fault benefits. These benefits include:
Medical and hospital bills
Prescription drug costs
Lost income as a result of your injuries
Travel-related expenses for medical visits
Cost of household help, if medically necessary
These benefits are limited to $50,000 unless the vehicle owner has purchased additional PIP coverage above the basic coverage