An insurance lapse means that there is no liability insurance coverage for a vehicle registered in New York State for a period of time. If you pursue a nofault claim under your coverage, there's no need to prove fault.Call toll-free today 1-800-524-1422 to get a FREE quote or fill out the form below. We look forward to hearing from you! Anyone who is involved in a car accident in the state of New York and wants to file a nofault insurance claim must follow a specific process. With Travelers Insurance accident forgiveness, you won't pay more for your auto insurance policy due to your first qualifying accident. Find out how the state where an accident occurs, and whether it's an at-fault or no-fault accident state, changes how an auto insurance claim is paid. This form must be properly filled out and filed within 30 days of the accident. Contact our office today if you sustained injuries in a car accident with an uninsured motorist in New York. We are ready to help you!