# 11 NYCRR 65-3.14: Scope of coverage

- Part of: 11 NYCRR Subpart 65-3 (Insurance Regulation 68-C), Claims for Personal Injury Protection Benefits; 11 NYCRR Part 65 (Insurance Regulation 68)
- Page: https://www.beynensonlaw.com/no-fault-regulations/11-nycrr-65-3-14/
- Source: New York State Department of Financial Services, https://www.dfs.ny.gov/system/files/documents/2024/08/reg68_11_nycrr_65_full_txt.pdf (retrieved 2026-10-04)
- Checked against the Department's list of amendments through 2026-10-04
- Unofficial copy. The official compilation is the New York Codes, Rules and Regulations (NYCRR).
- Each provision below starts with its full path, so (a)(2) is paragraph (2) of subdivision (a). Stable IDs have the form `11nycrr:65-3.14(a)(2)`.

## Text

(a) An insurer shall be liable only for the payment of benefits for losses caused by the accident, including those caused by the aggravation of preexisting conditions.

(b) An insurer shall pay benefits to an applicant for losses arising out of an accident in the following situations:

(b)(1) where coverage has been excluded for an applicant operating a vehicle while in an intoxicated condition or while the applicant’s ability is impaired by the use of a drug, if such intoxicated or drugged condition was not a contributing cause of the accident causing the injuries;

(b)(2) where coverage has been excluded for an applicant operating or occupying a motor vehicle known to the applicant to be stolen, and the applicant is an involuntary operator or occupant of said vehicle;

(b)(3) where there is no physical contact between the applicant and a motor vehicle or motorcycle which is the proximate cause of the injury;

(b)(4) where the motor vehicle or motorcycle is used without the specific permission of the owner, but is not a stolen vehicle; or

(b)(5) where the accident arises out of repairing, servicing or otherwise maintaining a motor vehicle or a motorcycle, other than in the course of a business, and for which no charge or fee is contemplated.

## Historical note

Sec. filed Aug. 2, 2001 eff. Sept. 1, 2001.

## Decisions citing this section (3)

From the beynensonlaw.com case-law database, grouped by the subdivision cited. Highest court first, then most-cited first. Compiled automatically from the text of the decisions.

### Subdivision (b) (3)

- [Matter of State Farm Mut. Auto. Ins. Co. v Lumbermens Mut. Cas. Co. (2005 NY Slip Op 04234)](https://www.beynensonlaw.com/case-law/matter-of-state-farm-mut-auto-ins-co-v-lumbermens-mut-cas-co-2005-ny-slip-op-04234/) — Appellate Division, Second Department
- [Westchester Med. Ctr. v Government Empls. Ins. Co. (2010 NY Slip Op 07331)](https://www.beynensonlaw.com/case-law/westchester-med-ctr-v-government-empls-ins-co-2010-ny-slip-op-07331/) — Appellate Division, Second Department
- [Westchester Med. Ctr. v New York Cent. Mut. Fire Ins. Co. (2012 NY Slip Op 50685(U))](https://www.beynensonlaw.com/case-law/westchester-med-ctr-v-new-york-cent-mut-fire-ins-co-2012-ny-slip-op50685u/) — Appellate Term, Second Department