How Does New York’s No-Fault Insurance Work?

In the state of New York, there are certain types of insurance coverages that drivers are required to maintain with minimum limits covered for car accidents. However, it’s also important to know that the state is also one that recognizes no-fault car insurance.

Knowing what this means for drivers is important, and can help you learn more about the insurance system in the state and what happens in the event of an accident. Read on to learn more about the impact of no-fault insurance on filing a claim.

What Does No-Fault Insurance Mean?

Typically, in many of the states, car insurance claims are handled in a manner in which the injured party seeks compensation from the insurance company of the negligent party. They are limited by the coverage of the driver responsible for the crash.

In the state of New York, though, the no-fault car insurance system is followed. This means that in the event of a car accident, you would go through your own car insurance provider to help cover the expenses associated with the damages sustained.

There is no compensation for pain and suffering or non-economic damages under the no-fault claim. However, there are some situations in which a claim can go outside of the no-fault system, allowing the injured to file a third-party insurance claim or lawsuit when a driver is at fault.

If you sustained serious injuries under New York law’s thresholds, you may be able to seek more compensation. This is possible when injuries include significant disfigurement, broken or fractured bones, permanent damage to a body organ or member, significant problems regarding body function limitations, or when you are fully disabled for at least 90 days.

Because the no-fault insurance system can be so complex, you need to have a Long Island car accident lawyer on your side who can explain what comes next. You should know what rights you have to pursue the compensation you need when you need it the most.

Trust that O2 Law is here to stand by your side every stop of the way. We’re committed to obtaining justice on your behalf so you can move forward with confidence.

Call our firm today at (631) 250-4212 and discuss your potential case.