No Fault Law Overview

New York law requires drivers to maintain certain minimum levels of auto insurance on any vehicle registered and operated in the state. New York is a "no-fault" state, which means if you’re involved in an accident with an automobile in the state, you may be entitled to no-fault benefits.

Under no-fault, after a car accident, no-fault coverage pays for medical treatment and other out-of-pocket losses incurred up to coverage limits, regardless of who caused the accident - hence the name “no-fault.”

These losses include necessary expenses such as medically-related expenses, other expenses, lost wages, etc.

• Ambulance costs

• Necessary x-rays, surgical interventions, and nursing care

• Dental costs

• Prescription drugs

• Psychiatric treatment.

• Physical and occupational therapy

• Any necessary rehabilitation

• Any professional health services needed within one year of the accident if the services are required because of injuries incurred in the accident.

No-fault also includes up to $25 a day for other expenses, such as transportation costs to travel to therapy or other medical appointments. This also includes household help if medically necessary.

In addition, no-fault benefit pays 80% of lost wages up to $2,000 per month.

However, note that not everyone is entitled to no-fault benefits, including:

• Motorcycle riders & passengers

• Owners driving their own (or their spouse’s) uninsured vehicle

• Residents of states other than New York.

Navigating claims after an accident can seem complicated, so don’t hesitate to contact The Donaldson Law Firm – we can help.