As New Yorkers, many of us know that we live and drive in a no-fault state…
…but what does that mean?
Dating back to the 1970s, the New York State No-Fault Law was created in drivers’ best interest. In simplest terms, No-Fault Law ensures that insurance companies pay for automobile accident related medical expenses, which can include costs associated with lost wages, regardless of who carries the fault of the accident. Additionally, this protects the interests of the at-fault driver, as No-Fault Law prevents negligent parties from being sued personally—only through insurance.
The state of New York also requires registered motor vehicles to have liability insurance with the following minimum coverage amounts:
For additional information on insurance coverage requirements, please visit: https://www.dfs.ny.gov/consumers/auto_insurance/minimum_auto_insurance_requirements
New York State No-Fault Law applies to pedestrians, passengers, drivers, and bicyclists injured by an automobile. In order to qualify for coverage under this law, the following must apply:
No-Fault coverage applies to medical expenses, lost earnings, and other reasonable and necessary expenses, for example household help and transportation to medical providers, for a driver or passenger injured in, or a pedestrian injured by, your car. Specifically:
As with any law, exceptions apply. Under the New York State No-Fault Law, the following will be exempt from No-Fault:
CONTACT OUR QUEENS PERSONAL INJURY LAWYERS TO FIND OUT MORE.
Injured victims must be aware of the thirty (30) day time frame that they have to submit their No-Fault Application to their insurance company following the accident. All of the above can feel very frustrating and confusing, leaving you unsure where to start. Not to worry— teaming up with our experienced Queens accident attorneys at Beck Law P.C. can help you understand whether you qualify for a claim under New York State No-Fault Law. Contact us today. The call is free, the advice is priceless. Contact us Beck Law, P.C. today at (516) 388-7785 for a free consultation, and let us set up your claim!