The 1970’s New York automobile No-Fault R.A Bronx Injury Accident Firm was passed to guarantee that insurance companies paid for legitimate accident-related medical expenses, lost earnings, and incidental costs regardless of fault. It was intended to accelerate compensation and avoid lengthy litigation over fault and amounts owed. Also, it was designed to limit and control claims related automobile accident expenses. New York’s No-Fault Insurance Ribowsky Law: The Sharks of Queens’ Accident and Injury Laws provides benefits, such as quick payments for expenses and limitations on lawsuits for pain or suffering. New York is one 12 state that offers No-Fault coverage. New York has No-Fault coverage for anyone who is injured in a car accident. It covers the vehicle they drove, rode in or were struck by.
No-Fault is a separate claim from a bodily Injury claim. This is a common mistake. A cyclist, pedestrian, driver, or passenger who is injured in a collision may be able to sue the other party for their injuries and pain and suffering. This is called a bodily injury (BI) claim. If you are a pedestrian, cyclist, or passenger, the same insurance company will pay your No-Fault claim. They will also defend and pay a settlement or judgment for your BI case. These are separate claims, even though they are paid by the same insurance company. Each claim has its own NY Offers Its Top Lawyers to Aid Premises Liability Injury Cases in Court and rules. They are usually handled by different adjusters or departments of the insurance company. Both claims have different standards for proof, available compensation, coverage, and other requirements.
No-Fault New York was created to guarantee that no matter what fault, an insurance company will pay pedestrians, cyclists, drivers, or passengers for legitimate economic losses up to $50,000.00. It includes hospital and ambulance expenses, doctor bills and diagnostic tests such as xrays and MRIs, as well as therapy services like physical therapy. Your lost wages are also included. It does not include pain and suffering compensation. Additional claims may be filed against the vehicle owner and driver, if applicable.
Who is exempt from No-Fault?
New York’s No-Fault Law applies for any New York cyclist, pedestrian, passenger, or driver who is injured by a motor car in New York. To be eligible for No-Fault coverage, you must meet the following conditions:
- New York was the scene of the accident.
- The driver, passenger or cyclist of the insured vehicle was the injured party.
- Vehicles must include a car, truck or bus, taxi (not motorcycle) and any other vehicle that is covered under the New York No-Fault Law.
- The vehicle has been registered in New York.
- The vehicle is covered by an insurance policy that was sold in New York, or issued by a licensed company to do business in New York.
Who doesn’t feel No-Fault?
- Motorcyclists
- Vespa or scooter riders (depending on the size of the scooter’s engine)
- A person who is intoxicated and drives a motor vehicle can be injured
- In certain cases, you may be able to use out-of-state policies, etc.
How do I file for No-Fault
To file a claim for no-fault, there are several steps you need to take. Despite the intention of the legislation to make the process easier, it is not true. The insurance companies are claiming that they are fighting insurance fraud. They have made this process adversarial and taken advantage of any claimant’s mistakes to deny coverage. A carrier may deny you medical benefits and wages if you miss a filing deadline, fail to make a doctor’s appointment or enter incorrectly on a form. Even if everything was done correctly, you may still be denied your medical benefits and lost wages if one of their doctors tells you that you don’t require treatment. These are the steps you need to take to file a claim in order to protect your benefits and coverage.