If you are involved in a motor vehicle accident, New York’s personal injury laws allow you to recover your costs under no-fault insurance. This insurance coverage offers a quick way to receive payment for losses. Here’s what you should know about the benefits of these state law provisions.

How No-Fault Insurance Helps If You Get Injured

What Is No-Fault Insurance?

New York’s no-fault insurance laws require insurance companies to pay legitimate claims after auto accidents no matter who is at fault. The insurance benefits compensate you for medical expenses, lost wages, and related expenses, such as transportation to and from doctor appointments or household help that’s needed due to a personal injury. The coverage does not compensate motorists for pain and suffering related to the accident.

Who Is Covered?

If you are a driver, passenger, pedestrian, or cyclist involved in a motor vehicle accident, you can be covered under the no-fault law. The payments come from the insurance companies covering the motor vehicles involved in the crash. You must file a claim within 30 days of the accident to receive the no-fault benefits.   

Who Is Not Covered?

Individuals who are not covered under no-fault provisions include motorcycle and Vespa® drivers. Scooter riders may not be covered, depending on the vehicle’s engine size. Drivers who are injured because they were driving under the influence or while on drugs cannot obtain no-fault benefits. Finally, drivers with out-of-state insurance policies or vehicles not registered in New York will not be covered.

 

When you have a New York no-fault claim, get legal advice and guidance from the lawyers at Neimark & Neimark, a premier personal injury firm serving Orange and Rockland counties. Based in New City, NY, these attorneys have over 40 years of experience and an unwavering dedication to helping accident victims obtain all the benefits the law allows. Visit their website to learn more about their services, or call (888) 725-7424 to schedule your free initial consultation.