Welcome to the home page of the New York Automobile Insurance Plan.

The New York Automobile Insurance Plan (NYAIP) is the central mechanism established pursuant to Article 53 of the New York Insurance Law to provide auto liability and physical damages coverages to those insureds who are unable to obtain such auto insurance in the voluntary market. All insurers writing automobile insurance in New York State must participate in the NYAIP by providing such insurance.

All agents and brokers holding a valid license to transact automobile insurance business in New York State must be certified by the Governing Committee in accordance with Standards and procedures approved by the Superintendent of Insurance prior to submitting applications to the Plan.

Applicants must declare and certify that they have tried and failed to obtain automobile insurance in New York State within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the plan.