NEW YORK AUTO INSURANCE GUIDE

New York No-Fault/PIP, $50,000 Basic Economic Loss, Filing Deadlines & Arbitration

New York’s no-fault system provides first-party benefits for basic economic loss, generally up to $50,000 per person, subject to statutory and regulatory rules. This guide will address medical expenses, lost earnings, other reasonable expenses, notice and proof deadlines, insurer verification, denials, overdue benefits, interest, attorney fees, and arbitration.

Publication review note — September 17, 2026. Verify current Insurance Law Article 51, Regulation 68, filing deadlines, benefit limits, exclusions, and arbitration procedures before publication.