Regardless of who was at fault in causing the crash, NY law allows for compensation to bicyclists for medical costs, lost wages, as well as reasonable and necessary expenses, up to $50,000. This is called no-fault coverage. This $50,000 limit is a minimum limit and certain insurance policies may have more than $50,000 available coverage, called additional personal injury protection (APIP). A no-fault claim must be filed within 30 days of the accident.