New York is a no-fault state, meaning each driver must file against their own insurance company after an accident, no matter who was at fault. However, Article 51 of New York’s Insurance Laws, which defines no-fault insurance in New York, has extremely specific language. Under this law, motorcycles are treated as separate vehicles altogether when compared to cars, trucks, and buses. As a result of this categorization, New York’s no-fault insurance laws do not apply to motorcyclists, which can drastically impact your ability to receive compensation after a motorcycle accident.
During a motorcycle collision, most riders are forced onto their sides, causing severe trauma to their lower extremities. While some cases may only end in a broken ankle or torn hamstring, many suffer from catastrophic injuries to their hips. This can involve damage to the pelvic muscles, as well as fractures in the hip’s three bones: the ilium, the ischium, and the pubis. Recovering from such injuries can be extremely difficult for a motorcyclist, and an accident will often leave them with mobility issues for years to come.