No-Fault Coverage in New York
Here is some important information about no-fault coverage in New York regarding car accidents. New York is a “No-Fault” state, which means that medical bills and lost earnings are paid by the no-fault insurance carrier. Strict deadlines apply with respect to obtaining benefits pursuant to no-fault. When someone is injured in a motor vehicle collision, it is especially important to consult with a Hamburg car accident attorney for this reason.
No-Fault Coverage in New York | Benefits of No-Fault Insurance
When you’re involved in a car accident, the no-fault coverage for whatever vehicle you’re in will apply. No-fault coverage means you’ll get these benefits whether or not the car you were in was at fault. You’ll get $50,000 of initial coverage for such things as medical expenses and lost wages up to $2,000 a month – so it’s not great, but it’s something. You also get some incidental expenses for the first year, including $25 a day for help around the house if you need it, mileage for going back and forth to doctor appointments, and things of that nature. Those are the basic benefits of no-fault.
No-Fault Coverage in New York | Securing Benefits
In order to secure those benefits, you have to submit a no-fault application within 30 days of the accident. Usually, that’s not too difficult when you’re the owner and operator of the car; however, if you’re a passenger, you sometimes have to be fairly proactive because the insurance company that covers the driver or owner of the car may not be reaching out to you. That’s another reason to get in touch with us quickly – because we will immediately reach out to that insurance carrier, make sure your no-fault application is filled out, and make sure you have those benefits. It’s important to use no-fault to cover your medical expenses – rather than your own health insurance – because then there’s no lien if you eventually obtain a recovery down the road.
If you have been involved in a car accident and are seeking compensation, contact our experienced Hamburg car accident lawyer today to schedule a free consultation.