A typical injury claim in New York tops $46,000—more than double the national average—driving some of the highest premiums in the country, according to the Times Union.
State leaders are clashing over fixes as Gov. Kathy Hochul pushes reforms tied to budget talks. Insurers blame frequent claims, rising injuries, and fraud in the no-fault system. Lawmakers and trial lawyers argue companies already deny many claims and profit from holding premiums before payouts.
Fraud reports hit 51,000 in 2025, with most tied to auto claims. Hochul says stricter rules could cut abuse and attract insurers, lowering prices. Critics warn limits on payouts could shift costs to drivers and taxpayers.
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