The Motor Vehicle Accident Indemnification Corporation (MVAIC) exists to compensate New Yorkers injured by unidentified or uninsured drivers who have no other coverage available. It pays both no-fault benefits and, for qualifying victims, bodily-injury damages. The requirements are strict:
- Report the crash to police within 24 hours — this is the requirement that quietly kills the most hit-and-run claims. If injuries made a same-day report impossible, report as soon as reasonably practicable and document why.
- File a Notice of Intention to Make Claim with MVAIC promptly — for hit-and-run victims the window is measured in days and weeks, not years.
- You must be a "qualified person" — generally a New York resident without their own applicable coverage.
Before MVAIC, we exhaust better options: if you own a car, or live with a relative who does, that policy's uninsured-motorist coverage likely applies to you even as a pedestrian — and it usually pays more smoothly than MVAIC.