New York Law (NYLE) Practice Exam 2026 - Free NYLE Practice Questions and Study Guide

Under New York’s No-Fault Law, coverage is primarily focused on injuries resulting from motor vehicle accidents and typically applies to occupants of motor vehicles and certain pedestrian-related incidents. The law is designed to provide benefits for medical expenses and lost wages without determining fault in an accident.

The correct option pertains to circumstances where a pedestrian is injured by a hard object that has been thrown from a moving vehicle. This scenario is covered under the No-Fault Law because it arises from the use of a motor vehicle, albeit indirectly. The law recognizes that the injuries result from actions related to the operation of a vehicle, thereby allowing the injured party to claim benefits.

In contrast, while injuries to pedestrians from direct collisions with vehicles are often governed by personal injury law and can claim damages outside of the No-Fault Law, the nuances of how injuries occur—such as being struck by an object thrown from a vehicle—affect the applicability of the No-Fault system. Occupants injured during car accidents and cyclists injured because of a vehicle's actions can also qualify under the No-Fault framework, but given the context of the question, the specific instance of being struck by an object is highlighted.

Understanding the scope of the No-Fault Law is crucial, as it delineates