What Is No-Fault Insurance In New York? What Does It Mean For Your Car Accident Case?

Last updated on June 9, 2025

No-fault insurance is the law in New York. It allows people to pursue compensation for injuries in accidents without worrying about fault or underinsured drivers. In fact, under New York law, most personal injury claims go directly to the victims’ own insurance companies.

At MJP Injury Law, our auto accident lawyers, based in the Bronx, earned their reputation as aggressive trial attorneys for all types of personal injury and car accident claims. They understand the first person/no-fault insurance law well, and they’re well-suited to represent you from the beginning to the end of your injury case.

‘Fault’ Doesn’t Matter In Most Cases

Regardless of whether the other driver was at fault or whether there was a mechanical error, all questions related to the classic question about fault are almost irrelevant under no-fault insurance. Any person in an accident files a claim for damages, such as medical bills and lost wages, with their own insurance company.

Once the claim is sent to the insurance company, the company is supposed to pay the necessary amounts. However, these companies will take any measure to minimize their costs. And when they do, that’s when it’s time to contact a personal injury attorney.

Some Injuries Overcome The No-Fault Insurance Law

The most expensive and complicated injuries can use up the insurance coverage available for no-fault insurance. The law allows a person with a serious injury to pursue the other driver or the at-fault party in a third-party claim. Serious injuries can include:

• Broken bones
• Amputations
• Organ damage
• Paralysis
• Significant burns

If you find that you are fully disabled for more than 90 days or have some sort of permanent or significant limitation, you may be eligible to file a lawsuit against a liable party. We’ll investigate your case closely to find out if this is the right path for you.

There are also other exceptions to no-fault insurance. For example, these benefits do not apply to motorcyclists. This can complicate some accident claims, and those who have serious and life-changing injuries may want to seek the guidance of an experienced lawyer to learn more about their options.

What Are The Benefits And Drawbacks Of No-Fault Insurance?

No-fault insurance has many benefits for injured people. No matter what the circumstances are, everyone involved in an accident gets help with basic needs, such as medical costs. No-fault insurance also allows you to get money quickly after an accident, rather than waiting for an investigation to find out who caused the accident.

While this system offers several advantages, it also comes with its own set of challenges. While it is easier to get compensation, you might only be able to file a lawsuit if your injuries are very serious. No-fault insurance might not fully cover emotional distress or long-term mental health issues.

Connect With A Bronx No-Fault Insurance Attorney Today

As your Bronx car accident attorneys, we will do two important things: We will listen to you about your legal problems and pursue the compensation you deserve in whatever way we think works. We can help you navigate insurance negotiations, and we will use aggressive action and determination to hold the insurance company accountable for its policies. We will stay with you for as long as you need us.

This approach has allowed us to achieve significant results for our clients. We have recovered millions of dollars for real people who suffered serious injuries in car accidents, and we will fight to get you the support you need.

To learn more about your options, reach out today for a free consultation by calling 718-709-9678 or sending an email to us using this form.