New York No-Fault Car Insurance: What it covers

If you have had a car accident in New York, you may be wondering what?no-fault car insurance?benefits will cover. This article will explain who can claim no-fault benefits, what are the limitations, when to file claims, and how to file a lawsuit for personal injury.

In New York, no-fault auto insurance is required by law and pays for specific financial losses including medical costs, lost earnings, and other costs. Read on to learn more about what no-fault benefits are and what they cover in New York.

WHO IS ELIGIBLE FOR NO-FAULT BENEFITS IN THE STATE OF NEW YORK?

Fortunately, no-fault benefits are often available for a small cost. In New York, no-fault benefits will cover everything from medical bills to lost wages. However, there are limitations. No-Fault insurance is just for personal injury protection (PIP); meaning it does not cover expenses for repairs to your car or to any other party's vehicles or other personal property. In the event that an injury is caused by a vehicle accident,?No-Fault serves as the primary to health insurance, which means it pays first.

Your insurer protects you and any household members under this policy against financial damages brought on by injuries that occured in car accidents anywhere in the United States, territories under the United States, or Canada. No-fault car insurance in New York also offers protection for:

• Any?passengers hurt while riding in your vehicle?in accidents that occur in the state of New York
• Any visitor passengers who reside in the state of New York who are hurt while riding in your vehicle anywhere in the United States, its territories, or Canada

Keep in mind it’s possible that passengers may be covered under other New York State no-fault car insurance that may apply.

LIMITATIONS FOR NEW YORK’S NO-FAULT BENEFITS

Benefits are capped at $50,000, which may not cover all of your expenses in some cases. No-fault benefits are not a substitute for health insurance, so you should not rely solely on no-fault coverage.

The No-Fault law in New York protects you by paying for medical expenses incurred during a car accident. However, the no-fault carrier isn't responsible for all of the expenses. Instead, you may still have a valid personal injury claim against the other driver's liability coverage. Because of this, it is important to hire a?New York car accident attorney?with a track record of successfully recovering damages related to car accidents and car accident injuries, like?Brandon J. Broderick, for example.

No-Fault benefits are paid to individuals who are injured in an automobile accident by the insurer. These benefits cover:

• Medical costs
• 80% of your lost wages for up to three years, up to a $2000/month max. There are statutory offsets, as well as federal disability benefits
• Household help up to $25 per day, if qualified
• Burial costs
• Other expenses, as needed.?

The $50,000 limit for basic No-Fault benefits is referred to as “basic No-Fault coverage.” You must have supplemental no-fault coverage to receive any additional benefits that may be needed to cover all damages in full. If you do not have any supplemental benefits, you can still file suit against the party at fault for your injuries.

You must seek professional health care within a year of the accident. Though in certain circumstances, this deadline may be extended. The deadline to file a claim before the?statute of limitations?expires is also three years from the date of the accident.

WHEN TO FILE CLAIMS FOR NO-FAULT IN NEW YORK

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