Introduction
A car, bus, motorcycle, or Uber accident can leave you with injuries, financial burdens, and uncertainty about what to do next. Thankfully, New York’s No-Fault Insurance Law is designed to ensure you receive medical care and financial assistance quickly—regardless of who was at fault. This guide simplifies the process, so you can focus on recovery.
What Is No-Fault Insurance?
No-Fault insurance, also called Personal Injury Protection (PIP), covers medical expenses, lost wages, and essential costs without needing to prove fault. The goal is to provide immediate financial relief after an accident.
Key Features of No-Fault Insurance in New York
✔ Coverage Limit: Up to $50,000 per person for medical bills, lost wages, and necessary expenses.
✔ What It Covers: Only economic damages—like medical bills and lost wages. It does not cover pain and suffering. To seek those damages, you must file a lawsuit against the at-fault driver.
✔ Filing a Claim: Submit a No-Fault application to the correct insurance company within 30 days of the accident.
✔ Exemptions: No-Fault benefits typically don’t apply to motorcyclists or accidents involving certain vehicle uses (e.g., criminal activity).
Who Pays for No-Fault Benefits?
Your claim depends on how you were involved in the accident:
🔹 Vehicle Occupants: The insurance of the car you were in covers medical bills and lost wages.
🔹 Pedestrians: The at-fault vehicle’s insurance provides coverage. If you’re transported to the hospital before obtaining the driver’s insurance details, a police report can help identify it.
🔹 Bicyclists: The insurance of the vehicle that struck you pays for your expenses.
🔹Bus: if you are injured on a bus or a school bus in New York State, No-Fault benefits must be paid by your auto insurer or if you have no auto insurance, the auto insurer of a relative with whom you reside; only if no one in your household has car insurance will the bus company’s insurance pay the no fault benefits.
🔹 Motorcyclists: Standard No-Fault benefits do not apply. You may receive medical coverage through your insurance if you purchased additional benefits. If another vehicle hit you, you may still be entitled to compensation.
What to Do After an Accident
✅ Get Medical Help: Seek treatment immediately and keep all records.
✅ Report the Accident: Notify your insurance company within 30 days to start your No-Fault claim.
✅ Gather Evidence: Collect accident reports, medical bills, proof of lost wages, and insurance details.
✅ Consult an Attorney: A car accident lawyer can help you file your No-Fault claim correctly and determine if you can also sue for additional damages.
Final Thoughts
New York’s No-Fault system helps accident victims receive compensation without delays—but navigating the claims process can be tricky. Act fast to ensure you get the benefits you’re entitled to.
Need help? MJP Injury Law offers free consultations to guide you through the process and fight for your rights. Don’t wait—get the compensation you deserve today.