Who are "covered persons" under the no-fault insurance law?
Persons injured by the insured owner's vehicle, including the owner, operator, or occupants of the insured's auto; pedestrians hit by the insured's auto; and any other person entitled to first-party benefits.
Covered persons also include persons injured by an uninsured motorist and, outside of the state, by an insured motro vehicle (i.e., the named insured and members of her household).
Occupants of a school bus are entitled to first-party benefits under the bus's policy, but only if covered by another policy providing first-party benefits.
All motorcycle and ATV ("all terrain vehicle") liability policies must provide no-fault benefits to persons other than occupants of the motorcycle, another motorcycle, or any other motor vehicle for injuries arising out of use or operation of a motorcycle in New York.