The short answer to this question is that “no-fault” does not apply to accidents involving motorcycles in New York State.  “No-fault” insurance applies to car, truck and bus accidents rather than accidents involving motorcycles. Under Article 51 of the New York State Insurance Law motorcyclists and their passengers are excluded from coverage. Because motorcycles are not considered to be motor vehicles under Section 5102(f) of the law, they are not covered by no-fault insurance.

What is “no-fault” insurance?

No fault insurance is a part of a person’s automobile insurance coverage and provides payment for medical expenses, a percentage of lost earnings, and travel expenses to and from medical appointments for a person who is injured in a motor vehicle accident or struck by a motor vehicle as a pedestrian.