New York State’s No-Fault Law provides immediate protection to the injured party without lengthy and expensive legal battles over who was at fault and what money is owed. The law allows payment to drivers, passengers, and pedestrians for medical costs, lost wages, and all reasonable and necessary expenses incurred, up to $25 dollars per day. The total amount available coverage under the no-fault law is $50,000. However, there may be additional personal injury protection coverage available under the insurance policy.