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How Does New York No-Fault Insurance Work?

Many people don't look at their auto insurance policies until they get into an accident. That can lead to mistakes at a time you can least afford to make them.

At Marder, Eskesen & Nass, Attorneys at Law, in Midtown Manhattan, we understand how New York no-fault insurance works. Our lawyers are here to help you recover the maximum compensation you are due, both through your no-fault coverage and the civil justice system. Call us today at 800-588-1579 for a free initial consultation with no obligation.

No-fault insurance applies to all types of truck and auto accidents in New York, including those involving pedestrians and bicyclists. However, no-fault does not apply to accidents involving motorcycles or scooters.

Helping You Recover The Maximum Compensation

Basic New York no-fault insurance pays up to $50,000 for medical expenses, lost wages and certain household expenses. Though $50,000 may seem like a lot of money, it can go quickly if you have suffered a serious injury. For example, a three-day hospital stay is likely to exhaust your no-fault insurance. While you can purchase higher no-fault coverage at a reasonable cost, few insurance companies tell their customers about this option.

Filing a no-fault claim can be an adversarial process, since your insurance company wants to pay you as little money as possible. If you miss a claim-filing deadline or make another mistake, the insurance company may deny your claim. For this reason, it's important to seek the advice of an experienced attorney concerning the rules you need to follow. Our lawyers can answer specific questions you have about your no-fault coverage and how to file claims.

Can I File A Claim Against The Other Driver's Insurance?

No-fault may not be your only source of recovery. In New York, you can file a personal injury claim against the other driver's insurance company if:

  • The other driver was wholly or partially at fault, and
  • You have suffered a serious injury or exhausted your no-fault insurance.

Our lawyers will advise you if your injury meets the threshold of a serious injury. Filing a personal injury claim will allow you to recover money for damages not covered by no-fault, including damages for pain and suffering.

If you have both a no-fault claim and a personal injury claim against the other driver, it is important to seek the advice of an experienced lawyer. Otherwise, you could make mistakes that will damage your personal injury claim.

For More Information About New York No-Fault Insurance

To protect your right to full compensation after a New York auto accident, call 800-588-1579 or complete our contact form to schedule a consultation with our lawyers. There is no cost or obligation for your initial consultation.