No-fault: Not for pain & suffering.

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Multiple Choice

No-fault: Not for pain & suffering.

Explanation:
No-fault (PIP) coverage pays medical expenses and wage loss after an auto accident, regardless of fault, and may include replacement services. It does not compensate non-economic damages like pain and suffering. To recover those, a separate negligence claim against the at-fault driver is needed, often with a serious-injury threshold in New York. So the aspect not covered by no-fault is pain and suffering. Medical bills and lost wages are typical no-fault benefits, while property damages are handled through the at-fault party’s liability coverage, not no-fault.

No-fault (PIP) coverage pays medical expenses and wage loss after an auto accident, regardless of fault, and may include replacement services. It does not compensate non-economic damages like pain and suffering. To recover those, a separate negligence claim against the at-fault driver is needed, often with a serious-injury threshold in New York. So the aspect not covered by no-fault is pain and suffering. Medical bills and lost wages are typical no-fault benefits, while property damages are handled through the at-fault party’s liability coverage, not no-fault.

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