What Is New York No-Fault Insurance?

New York is a No-Fault insurance state—meaning if you’ve been injured in an auto accident, you’re entitled to certain benefits, regardless of who caused the accident. This coverage, also referred to as personal injury protection (PIP), can include coverage for:

  • medical bills,
  • lost wages,
  • and other injury-related expenses.

No-Fault coverage can help you pay for immediate expenses after an accident, but it may not cover everything. If you’re collecting No-Fault benefits from a vehicle’s policy, you may also have a valid personal injury claim against the same vehicle’s liability coverage or another vehicle, person, or entity. The car accident attorneys at William Mattar Law Offices can help ensure your rights to collect compensation are protected.

How Does No-Fault Insurance Work?

Whether you’re a driver or a passenger, if you’re figuring out what insurance company to make a claim with, use this rule: the insurance company for the vehicle you were traveling in should be the primary coverage responsible for paying No-Fault insurance benefits. As a pedestrian or cyclist, the primary coverage comes from the vehicle that struck you.

In certain cases, you may be entitled to No-Fault benefits from more than one policy. If you were involved in an accident as a passenger or while driving a car you didn’t own, you should consider notifying any insurance carriers covering you or your household, in addition to the carrier for the vehicle you were in.

When to File

In New York, you must submit a completed No-Fault Application Form or other proper written notice to the insurance company as soon as possible but no later than 30 days after your accident in order to protect your legal rights to No-Fault coverage.

Insurance policy deadlines and regulations can be varied and confusing. We can help. Call William Mattar at (844) 444-4444 or complete a free initial consultation form today. Our auto accident lawyers can review the insurance policies and help explain complicated forms and paperwork.