New York has a specific program for exactly this situation. Here's what MVAIC covers and how to access it.
The Motor Vehicle Accident Indemnification Corporation (MVAIC) is a New York State program created specifically for victims of accidents involving uninsured or unidentified drivers. If the driver who hit you had no insurance — or fled the scene and can't be identified — MVAIC exists as your path to coverage instead of a standard insurance claim.
MVAIC works differently from a regular no-fault claim, with its own eligibility rules and timing. It's worth getting the right guidance early rather than assuming the same process applies.
Because MVAIC operates differently from standard no-fault insurance, timing and paperwork matter even more here. Don't wait to find out whether you qualify — reach out as soon as possible after the accident.
The other driver had no insurance. What are my options?
New York has MVAIC — a state program for victims of accidents involving uninsured or unidentified drivers. Strict deadlines and eligibility rules apply.
Does MVAIC work the same way as my own insurance would?
Not exactly. MVAIC has its own process, eligibility requirements, and deadlines, separate from a standard no-fault claim through your own insurer.
What if the driver who hit me fled the scene?
That's exactly the kind of situation MVAIC covers. Reporting it to police right away helps establish that the driver couldn't be identified.
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