Please explain this! I live in New York, which is no-fault auto insurance state and I had all the required insurance on my car. I was distracted by my children, who were arguing in the back seat, and I accidentally went through a stop sign. I hit a car going across the intersection and injured the driver. I just received a notice that he’s suing me for $250,000. I thought that if you had no-fault insurance, you were protected from lawsuits for car accidents.