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If you are a New York resident or the accident occurred in New York and no other insurance is available, MVAIC may pay your claim. MVAIC provides coverage similar to standard auto insurance — bodily injury up to $25K/$50K minimums, plus PIP up to $50K.
The critical requirement: you must file a Notice of Intention to Make Claim with MVAIC within 90 days of the accident in hit-and-run cases. Miss this deadline and the claim is generally lost.
If you have your own auto policy with Uninsured Motorist (UM) or Supplementary Underinsured Motorist (SUM) coverage, that coverage applies for hit-and-run accidents — and is generally primary over MVAIC.
NYC has thousands of traffic cameras. Many hit-and-runs are eventually solved through camera footage. We move fast because surveillance footage gets overwritten on standard cycles (often 30-90 days).