Which statement about first-party benefits under No-Fault Insurance Law is true?

• A. Motorcycles are covered
• B. Pedestrians are not covered
• C. Motorcycles are exempt from first-party coverage
• D. First-party benefits apply to all drivers regardless of vehicle type

Answer: (C)

First-party benefits under No-Fault are designed to provide medical and wage-loss protection to those injured in motor vehicle accidents, but New York specifically excludes motorcycles from this first-party coverage. In NY No-Fault, coverage is tied to motor vehicles registered in the state, and motorcycles are exempt from mandatory first-party PIP benefits. So riders of motorcycles cannot rely on No-Fault first-party benefits from a motorcycle policy. This is why the statement about motorcycles being exempt from first-party coverage is true. The other options misstaste the scope: first-party benefits aren’t universally available to all drivers regardless of vehicle type, and pedestrians aren’t automatically covered under No-Fault unless particular policy terms or circumstances apply.