If you are injured on a bus, there are certain things that you need to know because they are a bit different than a passenger in a car.
The New York State insurance regulations cover you with no fault benefits while you’re on a bus, because there are common carriers there are certain protections that make your own personal no fault carrier primary. If you or if you are living with a relative who has a car on the road and you have no fault insurance under that policy, and that becomes your primary no fault insurance company, they will pay your mileage, medical and miscellaneous expenses as opposed to the insurance company for the bus.
However, if you don’t have a car on the road and you don’t live with a relative who has a car that’s registered on the road then the bus company’s insurance actually does step up and become your no-fault carrier.
You still have coverage, it just depends on what the first layer of coverage will be and what your back up is if that exhausts or does not exist.