In New York, we have what is called a no-fault law. This law means that you do not need to prove who was at fault to receive compensation if you are in an accident. If you are injured in an accident, you can file a claim with the insurance company and receive benefits regardless of who caused the accident.
We will discuss all aspects of New York’s no-fault law so you will know what to expect if you are ever involved in a crash.
Who Needs to Have No-Fault Insurance
Anyone who owns a vehicle in New York must have no-fault insurance. This includes cars, motorcycles, boats, RVs, and more. The minimum coverage required is $50,000 per person/$100,000 per accident for personal injury protection (PIP).
If you are a driver in New York and do not have no-fault insurance, you could face hefty fines. In addition, your vehicle may be impounded, and you may lose your license. It is essential to always carry proof of insurance with you to show it to law enforcement if necessary.
What Types of Injuries Are Covered
Under New York’s no-fault law, all injuries are covered. This includes both physical and emotional injuries. You do not need to have any specific damage to file a claim. If you are hurt in an accident, you can file a claim with the insurance company and receive benefits regardless of who caused the accident.
If you have been in an accident and are not sure if your injuries qualify, it is crucial to contact a personal injury lawyer immediately. They will be able to help you determine whether or not your injuries qualify for compensation under New York’s no-fault law.
This Is How the Process Works
When you are involved in an accident, your first step should be to call 911. This will ensure that law enforcement arrives at the scene and file a police report. The police report will help when it comes time for your insurance company to determine fault. It would be best if you didn’t leave the accident scene before law enforcement arrived.
After calling 911, your next step is to contact your insurance company and file a claim for no-fault benefits. After you have filed a lawsuit with the insurance company, they will send an adjuster to meet with you in person or talk over the phone. The adjuster will ask questions about what happened in the accident and want to see any medical documentation.
What Are Your Responsibilities
New York’s no-fault law requires that you receive all medical treatment within 30 days of the accident. If you do not, your insurance company may deny your claim for benefits.
In addition, it is essential to notify the police and file a report as soon as possible after an accident has occurred. The police report will help when it comes time for your insurance company to determine fault.
It is also essential to keep all of your medical documentation and bills related to the accident. When you file your claim with the insurance company, you will need this information. You should save any receipts or invoices from transportation, medication, and other expenses related to the accident.
What Are Your Rights
New York’s no-fault law states that you are entitled to benefits regardless of who was at fault in the accident. If you have been injured and need medical treatment, your insurance company must pay up to $50,000 worth of expenses related to the accident. This includes things like doctor visits, medications, and physical therapy.
You are also entitled to benefits for lost wages due to the accident. This includes up to $100 per week for three years or until you return to work, whichever comes first. If your injuries prevent you from working at all, your insurance company must pay up to $2,000 per month indefinitely.
It is best to have a legal expert on your side to ensure that your rights are protected throughout the process. Get expert advice from Long Island car accident lawyers.
What If You Are At Fault?
New York’s no-fault law does not allow you to sue the other driver for your injuries if you were at fault in the accident. The only way that you can receive compensation is through your insurance company. This means that even if another driver is clearly at fault, you will still have to file a claim with your insurance company.
Final Thoughts
In conclusion, New York’s no-fault law is a complex system that can be difficult to understand. If you have been in an accident, it is vital to contact a personal injury lawyer who can help you navigate the process and ensure that you receive the benefits you deserve.
