Understanding No-Fault Insurance
New York is a no-fault insurance state. This means that after a car accident, your medical costs - regardless of who is at fault - will be covered as long as the medical care is deemed necessary and the costs reasonable. If you have been injured in a car accident in New York, it is important that you understand how your no-fault insurance policy works. I am attorney Jeffrey S. Wasserman, and I can help you seek compensation after a no-fault car accident.
What If Medical Costs Exceed the Policy Limit?
In order to bring a lawsuit in New York State for non-economic loss (pain and suffering), the total amount of medical cost must exceed the no-fault insurance threshold. Only certain injuries qualify:
- Fractures
- Disfigurement
- Dismemberment
- Loss of a fetus
- Fatal injuries
- Other qualifying injuries
Otherwise, the no-fault insurance system is set up to compensate accident victims regardless of fault. My law firm is experienced in seeking maximum compensation for accident victims, aiming to go around the no-fault threshold when possible. We can also seek compensation for economic losses (lost earnings) which are also covered under no-fault insurance.
I am familiar with the differences in law that apply to truck accidents, bus accidents, taxi accidents, delivery van accidents, and other motor vehicle accidents. If you have been injured in any of these accidents, contact me to find out how I can help.
Call For a Free Consultation
If you have been injured in a no-fault car accident in New York, contact me at 516-368-0362 or via e-mail. I can explain your legal options for seeking injury compensation for medical bills and other accident-related expenses. We can visit you at home or in the hospital.
