New York is among the minority of states that allows people injured in an automobile accident to recover the costs of their medical and related bills for injuries sustained while a passenger in a car that is involved in an auto accident in New York, regardless of whether the driver of the car was at fault. That saves occupants of the car the difficulty of proving whether the driver of the car you were in, or the other driver, was at fault. It was intended to simplify what otherwise could be a long and complicated process of getting medical expenses paid, and also limits the need for everyone injured to hire a lawyer and/or rely on the good faith of the insurance companies for the drivers involved.
The New York no fault provisions provide for almost automatic payment for medical expenses -- up to the policy limits -- but NOT for pain and suffering. In fact New York's no fault law limits any recovery for more than medical expenses or lost wages for a personal injury sustained in an auto accident -- unless the injury is deemed "serious" and results in such things as a broken bone, serious disfigurement, loss of use of a body organ or member or function, or total disability for 90 days.
If you suffered property damage -- such as if the car you were in was damaged -- that is NOT covered by NY's no fault law.