What happens if the other driver is uninsured?

You may be able to file a claim under your own “Uninsured Motorist” (UM) coverage, which is mandatory in New York. This covers your bodily injury if the at-fault driver has no insurance.

Who pays my medical bills after a car accident?

New York is a “No-Fault” state. Your own auto insurance pays your medical bills and lost wages (up to $50,000) regardless of who caused the crash. For serious injuries, you can sue the at-fault driver for additional damages.