New York’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which ensures that, after an accident, each party’s own insurance covers medical expenses, lost wages, and other related costs, regardless of who is at fault. This system aims to streamline claims and reduce litigation. However, it does not cover property damage or allow for pain and suffering claims unless injuries meet a “serious injury” threshold. Understanding the specifics of New York’s no-fault insurance can help drivers navigate claims efficiently and ensure they have adequate coverage.