No Fault Law Overview
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.
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.