August 31, 2015

Automobile No-Fault Endorsement

 Summary: The New York Comprehensive Motor Vehicle Insurance Reparations Act provides that every owner's liability insurance policy written on a motor vehicle in compliance with state financial security requirements must include first party (no-fault) benefits for persons, other than those occupying another motor vehicle or a motorcycle, injured in connection with the use or operation of the insured motor vehicle within New York. With respect to the named insured and members of his household, the act also requires no-fault coverage for injuries arising out of the use or operation of the insured motor vehicle outside New York and of uninsured motor vehicles within the state. No-fault coverage required by the act is provided under the New York personal injury protection coverage endorsement, PP 05 87 01 14, which is the subject of this discussion.