Yes, New York operates under a no-fault insurance system. This means that in the event of a car accident, each driver’s own insurance company covers their medical expenses and certain other losses, regardless of who was at fault. This system is designed to streamline the claims process and reduce the need for litigation. However, it is important to note that there are specific thresholds and conditions under which an injured party can pursue a lawsuit for additional compensation. Understanding the nuances of New York’s no-fault insurance laws can help drivers ensure they have adequate coverage and know their rights in the event of an accident.