What happens if you are in a bike crash in New York with a non-resident operating a vehicle in New York?
The resolution of your claim and your ability to be compensated will depend on whether that insurance company is authorized to conduct business in New York.
If the insured is an unauthorized insurance carrier who does not do business in New York Vehicle & Traffic Law §318 Subsection 5(a) provides "The Commissioner, upon receipt of evidence that a person other than the owner of the vehicle, has operated upon the public highways of this state a motor vehicle not registered in the state, with knowledge of proof of financial security was not in effect with respect to such vehicle shall revoke the driver's license of such person, or if he is a non-resident, the non-resident privileges of such person."
When a non-resident comes into New York operating a vehicle registered and insured in a foreign state, by an authorized carrier New York Insurance Law §5107 provides protection for New York residents injured in a crash with an out-of-state motorist.
New York Insurance Law §5107 provides: