After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver’s insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver’s insurance company represents them. New York is a no-fault state for auto insurance, which means that a motorist’s own insurance pays for their medical expenses up to the coverage limits. Under no-fault, it does not matter who is responsible for the collision. However, under certain circumstances—you may go outside of the no-fault system and file a personal injury lawsuit.