Out-of-state auto accidents: Are they covered under no-fault insurance?

• A. Yes
• B. No
• C. Only if the driver is a New York resident
• D. Only for property damage

Answer: (A)

No-fault benefits travel with the insured for injuries from a motor vehicle accident, not just those that happen in New York. The idea is to provide prompt first‑party payments for medical expenses and lost wages regardless of fault, and insurance policies typically extend this coverage to accidents that occur outside New York as long as the incident involves a vehicle insured under the policy (and the claim is for no-fault benefits).

This means out-of-state crashes can trigger no-fault benefits, so long as the accident involves an insured vehicle and the claim is for medical costs or wage loss. Property damage, if any, is handled separately under liability coverage, not no-fault.