New York has no-fault insurance, which means if a person is in another vehicle and they get into an accident with a truck, the insurance company for their vehicle will cover all their medical bills, hospital bills, pharmaceutical bills, and a percentage of their time off from work. If they are a pedestrian in the accident, the driver’s insurance will cover those issues for them.
Property damages would be included in no-fault insurance. However, some people drive older cars and they do not get the full extent of what might be available to them.