At Omni Injury and Accident Law, P.C., we understand that being involved in a car accident can be a confusing and overwhelming experience. One aspect of the process that often leaves accident victims with many questions is New York’s no-fault car insurance coverage.
How New York’s No-Fault Insurance Coverage Works
New York is one of a handful of states that operates under a no-fault car insurance protection. Under this policy, all drivers are required to carry personal injury protection (PIP) coverage as part of their auto insurance policy. If you’re involved in a car accident, you typically file a claim with your own insurance company for your medical expenses and lost wages, up to the limits of your PIP coverage, regardless of who caused the accident.
The no-fault protection is intended to streamline the claims process and reduce the number of lawsuits filed after car accidents. By providing a way for accident victims to receive compensation quickly, without having to prove fault, the coverage aims to minimize disputes and ensure that victims get the help they need as soon as possible.
Benefits and Limitations of No-Fault Insurance
One of the main advantages of New York’s no-fault coverage is that it provides a degree of financial protection for all drivers, even if they cause an accident. As long as you have the required PIP coverage, you can be reimbursed for your medical bills and lost wages without having to go through a lengthy legal battle.
However, the no-fault insurance also has its limitations. PIP coverage is typically capped at $50,000, which may not be sufficient to fully compensate victims who have suffered serious injuries or who require extensive medical treatment. Additionally, PIP coverage does not provide compensation for non-economic damages, such as pain and suffering or emotional distress.
When You Can Step Outside the No-Fault Policy
In some cases, accident victims may be able to pursue a personal injury lawsuit against the at-fault driver, even under New York’s no-fault coverage. To do so, you must be able to show that you have suffered a “serious injury” as defined by the state’s Insurance Law. This may include significant disfigurement, bone fractures, permanent limitation of use of a bodily organ, significant limitation of use of a body part, or substantial full disability for 90 days.
If your injuries meet one of these thresholds, you may be able to file a lawsuit against the at-fault driver to seek compensation for your medical expenses, lost wages, pain and suffering, and other damages.
How Omni Injury and Accident Law, P.C. Can Help
At Omni Injury and Accident Law, P.C., our experienced personal injury attorneys are dedicated to helping car accident victims navigate New York’s no-fault insurance coverage and fight for the compensation they deserve. We understand that the aftermath of a car accident can be a stressful and challenging time, and we’re here to provide the guidance and support you need every step of the way.
Our knowledgeable attorneys can help you:
- Understand your rights and options under New York’s no-fault coverage
- File a PIP claim with your insurance company and ensure you receive the benefits you’re entitled to
- Investigate your accident to determine if you have grounds for a personal injury lawsuit
- Gather evidence and consult with medical experts to build a strong case on your behalf
- Negotiate with insurance companies and at-fault parties to secure fair compensation for your injuries
- Represent you in court, if necessary, to protect your rights
Contact Our Skilled Attorneys at Omni Injury and Accident Law, P.C.
If you or a loved one has been injured in a car accident in New York, don’t hesitate to contact the compassionate, skilled attorneys at Omni Injury and Accident Law, P.C. We offer free initial consultations and work on a contingency fee basis, which means you won’t owe us anything unless we recover compensation for you. Call us today at 646-736-4184 to learn more about how we can help you navigate New York’s no-fault insurance coverage and fight for the compensation that is available to you.