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What Does No-Fault Law Mean in New York State?

New York State is one of the 12 states that have a No-Fault car insurance system, which means that insureds are usually reimbursed for damages regardless of who was responsible for the car accident.

If you got injured in a car accident and you live in the state of NY, you can file a claim with an insurance company. Since the No-Fault state’s laws vary, it is crucial to have a skilled car accident lawyer at your side to make sure you properly file for the compensation you deserve.

For a free consultation with a top-rated car accident lawyer at the Law Offices of David S. Leigh, call now (212) 843-0907.

Understanding New York State’s No-Fault Law

The New York state’s No-Fault law reads that anyone can claim the No-Fault coverage if they got involved in a car crash in the state of New York.

Under the No-Fault law, the insurance company pays drivers, passengers, pedestrians, and cyclists involved in the vehicle collision up to $50.000 for the losses regardless of who’s at fault.

All drivers of New York state must have personal injury protection (PIP) insurance, which covers the losses after a car accident. The minimum amount of insurance coverage required:

  • $25.000/$50.000 for bodily injury per person
  • $50.000/$100.000 for death
  • $10.000 for property damage per accident

What Does NY State’s No-Fault Insurance Cover?

The No-Fault insurance in New York state covers the medical help received after the motor vehicle collision, the wage losses due to the accident, and even household help.

At the same time, any person involved in the car collision can file additional claims as a separate lawsuit against any other party responsible for the crash and/or the injury.

Who Qualifies for No-Fault Insurance?

All parties involved in motor vehicle collisions like pedestrians, cyclists, drivers, and passengers have the right to file for No-Fault insurance. But there are several conditions that the person must meet to qualify:

  • The car accident happened in New York state.
  • The person injured in a vehicle collision has to be in the insured car or be hit by an insured car.
  • The vehicle has been registered and insured in New York state.
  • The vehicle must be a car, bus, taxi, truck.

It’s worth mentioning that the drivers injured in a state of alcohol or drug intoxication and motorcyclists/scooter riders do not fall under the No-Fault insurance.

Do I Need a NY Car Accident Lawyer to File No-Fault Insurance?

It may be difficult for a person who got into a car accident and is suffering emotional and physical pain to file for No-Fault insurance. That’s why we encourage you to consult a car accident lawyer to make sure your rights are protected.

The Law Offices of David S. Leigh are an experienced law firm that will fight hard for your rights. It’s our job to ensure you get maximum compensation under the law. For a free, no-obligation case evaluation, call now (212) 843-0907. We never get paid unless you do.

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