New York Automobile Adjuster Practice Exam 2025 – The All-in-One Guide to Master Your Certification!

In the context of New York's no-fault insurance system, "Owned autos subject to no-fault insurance" primarily includes various types of vehicles that are covered under this specific insurance regulation. Passenger cars, trailers, and light trucks fall under this designation because they are commonly used vehicles that typically require no-fault coverage for personal injury protection.

Motorcycles, on the other hand, are generally excluded from the no-fault insurance coverage requirements in New York. This is due to the fact that motorcycles are classified differently under the law, and they do not provide the same level of personal injury protection inherent in the no-fault system that applies to other vehicles. Consequently, operating a motorcycle would necessitate different insurance coverage arrangements, typically requiring liability coverage rather than no-fault coverage. This differentiation in coverage highlights the unique legal classification and requirements for motorcycles compared to other types of autos subject to no-fault insurance.