New York Consolidated Laws

N.Y. Insurance Law § 5201 (2026)

Title and purpose

✓ current as of May 2026

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§ 5201. Title and purpose. (a) This article may be cited as the "motor
vehicle accident indemnification corporation act".
  (b) The legislature finds and declares that the motor vehicle
financial security act in the vehicle and traffic law, which requires
the owner of a motor vehicle to furnish proof of financial security as a
condition to registration, fails to accomplish its full purpose of
securing to innocent victims of motor vehicle accidents recompense for
the injury and financial loss inflicted upon them, in that the act makes
no provision for the payment of loss on account of injury to or death of
persons who, through no fault of their own, were involved in motor
vehicle accidents caused by:
  (1) uninsured motor vehicles registered in a state other than New
York,
  (2) unidentified motor vehicles which leave the scene of the accident,
  (3) motor vehicles registered in this state as to which at the time of
the accident there was not in effect a policy of liability insurance,
  (4) stolen motor vehicles,
  (5) motor vehicles operated without the permission of the owner,
  (6) insured motor vehicles where the insurer disclaims liability or
denies coverage, and
  (7) unregistered motor vehicles.
In addition, this article is intended to provide no-fault benefits for
qualified persons for basic economic loss arising out of the use and
operation in this state of an uninsured motor vehicle, as provided
herein and in the comprehensive motor vehicle insurance reparations act.
The legislature determines that it is a matter of grave concern that
those persons are not recompensed for their injury and financial loss
inflicted upon them and that the public interest can best be served by
closing such gaps in the motor vehicle financial security act and the
comprehensive motor vehicle insurance reparations act through the
continued operation of the motor vehicle accident indemnification
corporation.

Notes of Decisions

Cited in 36 cases (2 in the last 5 years), 1985–2025 · leading case: Englington Med., P.C. v. Motor Veh. Accident Indemnification Corp., 81 A.D.3d 223 (N.Y. App. Div. 2011).

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Englington Med., P.C. v. Motor Veh. Accident Indemnification Corp., 81 A.D.3d 223 (N.Y. App. Div. 2011). · cites it 2× “MVAIC The New York State Legislature created MVAIC to “provide no-fault benefits for qualified persons for basic economic loss arising out of the use and operation in this state of an uninsured motor vehicle” (Insurance Law § 5201).”

Allstate Ins. v. Killakey, 580 N.E.2d 399 (NY 1991). · cites it 2× “The Motor Vehicle Accident Indemnification Corporation Act (Insurance Law art 52) was enacted for the purpose of "securing to innocent victims of motor vehicle accidents recompense for the injury and financial loss inflicted upon them” (Insurance Law § 5201 [b]; see also, Matter…”

Am. Centennial Ins. v. Sinkler, 903 F. Supp. 408 (E.D.N.Y 1995). · cites it 3× “at § 312, and provide coverage for innocent victims of uninsured motorists, see N.Y.Ins.L. §§ 5201 et seq. (establishing and providing insurance through Motor Vehicle Accident Indemnification Corp.”

Matter of Liberty Mut. Ins. Co.(hogan), 623 N.E.2d 536 (NY 1993). · cites it 2× “Thus, the Insurance Law was amended to require liability policies to include an uninsured motorists endorsement providing benefits in these situations ( see , former Insurance Law § 167 [2-a], recodified as § 3420 [f] [1]). Even then, however, mandatory insurance would…”

State Farm Mut. Auto. Ins. v. Amato, 528 N.E.2d 162 (NY 1988). · cites it 2× “In granting this exemption the Legislature has obviously determined that any branch of the government should be financially capable of paying for injuries caused by police vehicles and need not prove or demonstrate that fact (Vehicle and Traffic Law arts 6, 7; see also ,…”

Archer v. Beach Car Serv., Inc., 2020 NY Slip Op 1138 (N.Y. App. Div. 2020). “, 95 AD2d 509, 510 [internal quotation marks omitted]; see Insurance Law § 5201). To effectuate the purpose of the act, MVAIC was granted broad authority "to exercise all powers necessary and convenient to accomplish" that purpose (Insurance Law § 5206[a]).”

Allstate Ins. v. Giordano, 108 A.D.2d 910 (N.Y. App. Div. 1985). “The question of whether the car was stolen was vigorously contested. Under these circumstances, the vehicle did not become uninsured for the purposes of instituting an arbitration proceeding against the insurer until such time as the court determined that, in fact, it was stolen…”

Hernandez v. Motor Veh. Accident Indemnification Corp., 120 A.D.3d 1347 (N.Y. App. Div. 2014). “Entitled the “Motor Vehicle Accident Indemnification Corporation Act,” article 52 of the Insurance Law is intended to compensate, through the MVAIC, innocent victims of motor vehicle accidents caused by, inter alia, unidentified motor vehicles which leave the scene of the…”

Harkness v. Doe, 261 A.D.2d 846 (N.Y. App. Div. 1999). “Additionally, the Legislature has provided remedies for persons injured in motor vehicle accidents caused by unknown parties when it enacted Motor Vehicle Accident Indemnification Corporation and no-fault legislation (see, Insurance Law § 5201 et seq.). Consequently, there is no…”

Henry v. Michael P. Guastella & Assocs., Inc., 113 A.D.2d 435 (N.Y. App. Div. 1985). “The Legislature has expressed concern for "innocent victims” of uninsured motorists (Insurance Law § 5201 [b]). The Legislature addressed that concern by establishing the Motor Vehicle Accident Indemnification Corporation, which provides a fund, contributed to by insurers doing…”

State Farm Mut. Auto. Ins. v. Amato, 129 A.D.2d 221 (N.Y. App. Div. 1987). · cites it 2× “The Motor Vehicle Accident Indemnification Corporation Act (Insurance Law art 52) was enacted in order to compensate "qualified persons” (Insurance Law § 5201) who, "through no fault of their own, were involved in motor vehicle accidents caused by: "(1) uninsured motor vehicles…”

Hatcher v. Travelers Ins., 617 A.2d 808 (Pa. Super. Ct. 1992). “12(a) (footnotes omitted). This principle is followed in a series of cases from New York.”

Show all 36 citing cases →

— N.Y. Insurance Law § 5201(b) — 1 case

Am. Centennial Ins. v. Sinkler, 903 F. Supp. 408 (E.D.N.Y 1995). “at § 312, and provide coverage for innocent victims of uninsured motorists, see N.Y.Ins.L. §§ 5201 et seq. (establishing and providing insurance through Motor Vehicle Accident Indemnification Corp.”

— N.Y. Insurance Law § 5201(d) — 1 case

Shimon v. Wong, 911 F. Supp. 87 (E.D.N.Y 1996).

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