There is nothing as terrifying as being involved in a sudden automobile accident, especially if you have been injured in that accident. An auto accident injury can lead to serious medical issues, hospital bills, lost earnings and a mountain of costs that can be difficult to cover. While no one ever wants to be hurt in an automobile accident, if you have been involved in an accident in New York, you do have the law on your side.
New York is one of only twelve states that have No-Fault Coverage. This law was put in place in the 1970s to make sure that insurance companies would pay for legitimate crash-related expenses regardless of who was at fault. The more you understand about this law, what it entails, who it protects and the limitations with this law the better off you will be should you ever find yourself injured in an auto accident.
New York’s No-Fault Insurance Law was put in place not only to make sure that insurance companies pay for legitimate expenses but to speed up the compensation process and eliminate long, drawn-out litigation proceedings. In fact, one of the most significant benefits of this law is how quickly payments are made for related expenses—although the law does have its restrictions as well.
Under this law, insurance companies will pay cyclists, pedestrians, passengers and drivers up to $50,000 for legitimate economic losses. This benefit includes coverage for the following:
It is important to note that this law does not cover bodily injuries. This claim has to be separate.
No-Fault is separate from bodily injury claims or BI claims. If you are a cyclist, pedestrian, driver or passenger that has been injured, you have the right to sue for the injury along with pain and suffering. If you are a cyclist, pedestrian or passenger, this claim will be made to the same insurance company as your No-Fault claim. Although it comes from the same company, it is an entirely separate claim that has its own laws and rules.
The New York No-Fault Law applies to most but not all parties who use the roads. The law does apply to any cyclist, passenger, pedestrian or driver that is injured by a motor vehicle. However, they must still meet the following criteria to qualify for No-Fault coverage.
New York No-Fault laws do not cover motorcyclists or scooter riders and individuals who are injured while operating a motor vehicle.
If you want to file for a No-Fault claim in New York, here are the steps you need to follow to make sure that the claim goes through.
There are a number of things that can result in a denial of a No-Fault Claim. If you miss a filing date, a medical appointment or enter out a form incorrectly, carriers can deny your claim. You may also be denied if one of the insurance company’s doctors claims you don’t need treatment even if yours thinks you do. Your best bet to get claim approval is to follow the No-Fault claim process as closely as you can.
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