The New York State budget is late due to Gov. Mary Hochul's insistence on several policy reforms, including increasing auto insurance costs. These include a $100,000 cap on pain and suffering awards for anyone driving while uninsured, impaired or drunk or driving while committing a felony. The proposal is buried deep in the budget bills and includes expanding the circle of those prosecuted under state law for fake accidents. The elimination of a loose catch-all category in the definition of “serious injury” should also be removed. Despite some opposition, New York’s no-fault rules are unchanged.