New York is a “no-fault insurance” state. In order to protect themselves in the event of an auto accident, all drivers in New York are required to carry a certain amount of Personal Injury Protection (PIP) insurance. No matter who caused the crash, PIP coverage should cover out-of-pocket medical expenses, transport to the doctor, as well as lost income. PIP benefits, however, are subject to certain limits. PIP benefits won’t cover all your losses if you sustain a severe injury. To explore your options, it is important to speak with an experienced NYC car accident lawyer. Do not settle for less. For a free consultation with a top-rated New York no-fault insurance lawyer at The Law Office of David S. Leigh, personal injury attorney. Call or contact us online, our consultations are always free, call now (212) 843-0907.
No-fault New York accident insurance covers the reasonable and necessary medical costs and lost wages for a person who is injured in a New York car accident, a truck accident, or in another collision. The law is complicated, however. This is how New York’s no-fault insurance works: If a collision occurs in New York and the vehicle involved in the accident is a car or truck, the following persons should be able to file a claim under a policy that covers no-fault:
In order to collect no-fault compensation, the vehicle in the accident must be registered in New York. For you to be properly insured, the policy must also be underwritten in New York. You cannot claim PIP benefits if you are injured while riding a motorcycle, scooter, or motorbike, or if the motor vehicle was operated under the influence of drugs and alcohol. Basic expenses related to a crash are covered by no-fault insurance. You can file a claim for the benefits if you are involved in an accident through no-fault insurance:
Although some attorneys may charge to help you fill out Personal Injury Protection paperwork, at the Law Office of David S. Leigh, personal injury attorney, all our consultations are always free. We will help you fill out all the paperwork to file for a PIP (personal injury protection claim) at no cost to you. Call now (212) 843-0907.
Keep all receipts and bills after a crash. Insurance companies will not accept you as your word. Your accident-related expenses must be proven. Under the New York Basic No-Fault Policy, you can get $50,000 as an accident-related expense & up to 80% of your lost earnings. The policy also provides a $2,000 death benefit for a person who is killed in an accident, which is payable to their estate. These benefits are not sufficient. People often purchase additional personal injury coverage. You’ll need to report a crash to your insurance company within 30 days of the incident. This is done by filling out a Form NF-2, and sending a written notice to your insurance company. You could lose your right to PIP benefits if you miss this deadline. You should carefully read your policy and be attentive to all deadlines.
Insurance companies may deny valid no-fault insurance claims and force car accident victims to arbitrate these denials. The insurer might claim that you didn’t sustain injuries from the accident or that you didn’t need any medical treatment. No-fault insurance’s purpose is to make it easy to receive the compensation you need following a crash. It’s often not easy. You will be notified by your insurer if they deny your claim. You could lose the right to sue the person responsible for the accident if you lose arbitration. You should never attempt to arbitrate your claim for no-fault. David S. Leigh is a trusted NYC car accident lawyer, he understands how insurance companies operate. At the Law Office of David S. Leigh, personal injury attorney, we will fight for every dollar you are entitled and stand up for your rights. Call now (212) 843-0907.
You may be able to file a claim against an at-fault driver, and seek compensation through the driver’s insurance policy. David S. Leigh will examine your case to determine if you have the right to pursue this option. We will aggressively pursue the damages that you deserve if we determine that this option is available to you. In two cases, you may be eligible for additional compensation from your at-fault driver.
If you have losses that exceed the limit of the no fault policy, you can file a claim against the at-fault driver. This can be very complicated and time-consuming. This type of lawsuit often requires litigation and sometimes, it is necessary to go to court in order to obtain compensation. This type of claim requires the help of a top rated car accident lawyer. Call today to learn more, remember, our consultations are always free and we never get paid until you do (212) 843-0907.
A “serious injury” is one that causes you to suffer. New York law defines serious injuries in the following ways:
There is a lot of room for dispute between insurance companies and injured victims over what constitutes a severe injury. David S. Leigh is an experienced New York car accident lawyer who will stand by you and vigorously pursue all the compensation to which you may be entitled.
When you contact the Law Office of David S. Leigh, personal injury attorney, we will vigorously pursue justice on your behalf. In addition to free assistance in filing out all PIP paperwork we may:
We will always strive to get maximum compensation for your injuries. When you contact the Law Office of David S. Leigh, we will never charge you for a consultation. In fact, we don’t get paid at all until you do. Call now, we are here to help (212) 843-0907.