Car Accident Medical Costs in New York
New York is a no-fault state. PIP insurance is required with a minimum of $50,000. Minimum bodily injury limits are $25K / $50K.
No-Fault System in New York
New York is a no-fault state. This means your own insurance (PIP) pays your medical bills and lost wages regardless of who caused the accident. To sue the at-fault driver for pain and suffering, your injuries must meet the state's "serious injury threshold."
How medical bills get paid in New York:
- PIP pays first — up to $50,000 for medical bills + lost wages
- Health insurance covers excess bills (with subrogation rights)
- If injuries are serious enough, you may sue the at-fault driver
- At-fault driver's BI insurance pays through settlement if lawsuit threshold met
New York Auto Insurance Requirements
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
| PIP Required? | Yes — minimum $50,000 |
| UM/UIM Required? | Yes |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,760/year ($230/month) |
| Uninsured Motorist Rate | 6.1% (national avg: 15.4%) |
Note: Highest PIP dollar minimum ($50,000)
After a Car Accident in New York
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In New York, file a PIP claim with your own insurer first. PIP covers up to $50,000 regardless of fault.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
An attorney can help negotiate medical liens (often reducing them 30-50%), handle insurance negotiations, and ensure you receive full compensation. Average settlements are 4.4x higher with attorney representation.
Medical Procedure Costs in New York
Medical costs in New York are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in New York.
View New York Medical Procedure Costs →New York Insurance Department
For official information about auto insurance requirements and consumer complaints in New York:
New York Dept. of Financial Services