If you have a personal auto insurance policy you may be alright with medical bills. Look into if NY is no-fault auto insurance, I think I remember it is from my own investigations of a recent accident in Pennsylvania. In this case, your auto insurance would pay for your med bills up to the policy limit. Although if you dont have a car insurance policy (good chance your not driving a car if you're living and biking in NYC), I don't know what to tell you.