In New York, if you are in a vehicle at the time of the crash, the insurance company for the vehicle you are in (No-Fault coverage) usually pays for initial medical treatment, no matter who caused the accident. If you are an injured pedestrian or bicyclist, the no fault insurance for the vehicle that struck you will pay for your medical bills.   If your injuries are serious, you may also bring a claim against the at-fault driver with the help of an auto accident attorney. Read more about no fault here.