Under the no-fault law, who is covered?
As stated above, the no-fault accident law covers anyone injured or killed while operating a motor vehicle or anyone injured or killed by a motor vehicle with the three exceptions of motorcycles, ATVs and mopeds. What if the vehicle causing injury was not insured? Your insurance will pay benefits if the owner of the vehicle is not insured but you are. You are not entitled to no-fault benefits if you are the uninsured driver. Does the law apply if neither the drive nor I are insured? In these cases, your claim can be submitted to the insurance company of any relative who is part of your household. If this does not apply to you, then you can make a claim to the Motor Vehicle Indemnification Corporation, which can handle the claim if and only if two requirements are met: you must not have been the operator of an uninsured vehicle and the accident must have taken place in New York state and involve New York residents. How will I get reimbursed for lost wages? You will fill out an Employee’
