Navigating New York's No-Fault Insurance System After a Motor Vehicle Accident

In the bustling streets of New York, motor vehicle accidents are an unfortunate reality. Understanding the no-fault insurance system is crucial for anyone involved in a traffic collision. At Gambone Law Group, we’re committed to demystifying this complex system and guiding you through your claims process with ease and clarity.

What is No-Fault Insurance?

New York's no-fault insurance, or personal injury protection (PIP), is designed to ensure that individuals involved in car accidents receive prompt payment for medical expenses and lost earnings regardless of who was at fault. The system aims to reduce the need for lengthy and costly litigation by providing immediate financial support.

How Does No-Fault Insurance Work?

After an accident, your no-fault insurance policy kicks in to cover medical costs, a portion of your lost wages, and other reasonable and necessary expenses, up to the policy's limits. The standard coverage amount in New York is $50,000, but additional or supplemental insurance can increase this limit.

What Does No-Fault Cover?

• Medical expenses: Including hospital bills, doctor’s visits, prescription medications, and rehabilitative therapies.

• Lost earnings: Compensation for missed work, typically capped at a certain amount per month.

• Other necessary expenses: Such as transportation costs to medical appointments.

Filing a No-Fault Insurance Claim

The process begins with notifying your insurance carrier immediately after the accident. In New York, you have 30 days from the date of the collision to file a no-fault claim. Delaying beyond this period could jeopardize your ability to receive benefits.

Exceptions to the No-Fault Rule

No-fault insurance does not cover property damage or accidents involving severe injury or death. In such cases, you may step outside the no-fault system and pursue a traditional liability claim or lawsuit against the at-fault driver.

Seeking Compensation Beyond No-Fault

If your injuries meet the "serious injury" threshold defined under New York law, you may be entitled to sue for additional damages, including pain and suffering. Determining what constitutes a serious injury can be complex, and this is where the Gambone Law Group can provide invaluable expertise.

How Can Gambone Law Group Help?

Navigating New York's no-fault insurance system can be overwhelming, especially when you're recovering from an accident. The Gambone Law Group brings years of experience in managing the subtleties of no-fault claims and advocating for clients' rights. Our team ensures that all paperwork is filed correctly, deadlines are met, and that you're pursuing all available avenues for compensation.

If you or a loved one has been involved in a motor vehicle accident, don't navigate the no-fault insurance system alone. Contact Gambone Law Group today to ensure your rights are protected and you receive the full benefits you're entitled to under New York law.