Respuesta Rápida PIP (Protección por Lesiones Personales) insurance in Nueva York is the Sin Culpa insurance requerido on all auto policies. It covers medical expenses, salarios perdidos (up to $2,000/month), and other reasonable costs up to $50,000 — regardless of who caused the accident. MAIC accepts all PIP/Sin Culpa carriers.

PIP y Sin Culpa: Lo Mismo

In Nueva York, Protección por Lesiones Personales (PIP) and Sin Culpa insurance refer to the same benefit — the portion of your auto insurance policy that pays for medical tratamiento and salarios perdidos following a accidente de auto, regardless of fault. All Nueva York auto insurance policies are requerido by law to include a minimum of $50,000 in PIP/Sin Culpa coverage per person.

What PIP Covers

  • Medical tratamiento: all reasonable and necessary medical expenses related to accident injuries, including evaluación, imágenes, especialista care, and rehabilitation
  • Lost wages: up to $2,000 per month for up to 3 years if injuries prevent you from working
  • Transportation: costs of getting to and from medical citas
  • Death benefit: $2,000 in case of fatal accident

Enhanced PIP

Nueva York drivers can purchase Enhanced PIP coverage above the $50,000 minimum — up to $100,000 or more. Serious injuries from significant accidents can exhaust the $50,000 minimum, making enhanced coverage valuable. Check your policy's declarations page to see your current PIP limit.

MAIC accepts PIP/Sin Culpa from all Nueva York auto insurance carriers. Call (888) 991-5290.