It can be tough to find insurance coverage in New York
state after you have been injured in an accident, even if it wasn't your fault. Your best bet is to compare rates
with as many companies as possible to find a company willing to insure you. Even if the accident was not your fault, the medical payout might be what is keeping you from finding coverage. You may have to try a non-standard insurance company until that incident passes 3 years. Long story short, the more companies you check with, the more likely you are to find a policy.