New York is one of twelve states that have enacted no-fault laws. Each state’s no-fault laws vary. So, if you are not familiar with New York’s no-fault laws, this blog may be helpful. The purpose of New York’s no-fault laws is to ensure that car accident victims receive compensation for accident-related medical bills, lost wages and other incidentals regardless of fault. The insurance carrier of the vehicle you are occupying will pay those costs regardless of fault.