New York is one of a dozen states that follow a “no-fault” system. In New York, a driver who has been injured in an accident must turn to his or her own insurance company for the payment of medical expenses, regardless of who was at fault for the accident. However, in order to file a claim against the at-fault driver, the claimant must be seriously injured with a significant disfigurement, bone fracture, permanent limitation of use of body organ or member, significant limitation of use of body function or system, or substantially full disability for 90 days. Additionally, the no-fault rules only apply to personal injury.
New York requires motor vehicle users to maintain certain amounts of liability insurance on their vehicle:
New York Law requires that all automobile policies include uninsured motorist coverage (25,000 per person/$50,000 per incident). Under insured motorist or supplemental coverage is optional and may or may not be offered by a carrier.
No-fault auto insurance application should be filed within 30 days from the date of the crash.
All out of pocket expenses such as taxis and transportation costs, pharmacy bills and other crash related expenses is reimbursed after providing the receipt. Additionally, up to $25a day for other related incidentals for one year post accident.
When a life changing accident happens, people need guidance, compassion, honesty and to be able to trust experts in the field of law. The last thing people need is to worry about anything but getting healthy and their lives back on track. At Dervishi Law Group, P.C., our goal is to offer comfort in times of need, unyielding dedication to our clients and their families and to give a sense of trust and confidence that everything possible is being done on your behalf. If you or a loved one is injured in an auto accident and need legal help in filing No-fault auto insurance, call us today at 917-300-0797/718-619-4525.