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No-Fault Benefits: Overview
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Rosenberg & Gluck, L.L.P.
Long Island Personal Injury Lawyers, Aggressive Representation, Real Results
No-Fault Benefits: Overview
New York along with 11 other states and Puerto Rico have no-fault auto insurance laws that require drivers to purchase personal injury protection as part of the policy.
The details of these laws and extent of no-fault car insurance coverage vary from state to state.
No-Fault Coverage in New York
In NY State, if you are in an accident, the insurance company of the vehicle you were in (as a driver or passenger) must cover up to $50,000 of your lost wages and medical bills.
This coverage is called “no-fault” and is required by New York State law. Note, motorcycles are excluded from no-fault benefits in New York.
Who Is a Covered Person?
A covered person is defined as someone who owns, operates, or is a passenger in a vehicle. Also a cyclist or pedestrian injured by a vehicle.
What Is a Covered Accident?
Covered accidents are defined as an incident that occurs while using or operating a vehicle.
Qualifying for No-Fault Benefits
After an accident, you must immediately notify the insurance carrier in order to qualify for no-fault benefits. Hiring an experienced auto accident attorney to help with this process can make a difference in ensuring you get the coverage you seek.
What Does No-Fault Insurance Cover?
In NY State, basic no-fault auto insurance will cover the following:
1) Necessary and reasonable medical expenses and rehabilitation expenses for injuries sustained in the accident
2) 80% of lost wages up to a maximum of $2,000 per month for up to three years from your accident
3) Up to $25 per day for up to a year to reimburse other expenses caused by the accident such as household help or transportation to medical appointments
4) $2,000 death benefit payable to the estate of a covered person who is killed in a motor vehicle crash
Should I consult a Long Island personal injury lawyer after an accident?
Yes! If you’ve been injured, the experienced Long Island lawyers at Rosenberg & Gluck, L.L.P., can help you. Call (631/516) 451-7900
Long Island Personal Injury Lawyers, Aggressive Representation, Real Results
No-Fault Benefits: Overview
New York along with 11 other states and Puerto Rico have no-fault auto insurance laws that require drivers to purchase personal injury protection as part of the policy.
The details of these laws and extent of no-fault car insurance coverage vary from state to state.
No-Fault Coverage in New York
In NY State, if you are in an accident, the insurance company of the vehicle you were in (as a driver or passenger) must cover up to $50,000 of your lost wages and medical bills.
This coverage is called “no-fault” and is required by New York State law. Note, motorcycles are excluded from no-fault benefits in New York.
Who Is a Covered Person?
A covered person is defined as someone who owns, operates, or is a passenger in a vehicle. Also a cyclist or pedestrian injured by a vehicle.
What Is a Covered Accident?
Covered accidents are defined as an incident that occurs while using or operating a vehicle.
Qualifying for No-Fault Benefits
After an accident, you must immediately notify the insurance carrier in order to qualify for no-fault benefits. Hiring an experienced auto accident attorney to help with this process can make a difference in ensuring you get the coverage you seek.
What Does No-Fault Insurance Cover?
In NY State, basic no-fault auto insurance will cover the following:
1) Necessary and reasonable medical expenses and rehabilitation expenses for injuries sustained in the accident
2) 80% of lost wages up to a maximum of $2,000 per month for up to three years from your accident
3) Up to $25 per day for up to a year to reimburse other expenses caused by the accident such as household help or transportation to medical appointments
4) $2,000 death benefit payable to the estate of a covered person who is killed in a motor vehicle crash
Should I consult a Long Island personal injury lawyer after an accident?
Yes! If you’ve been injured, the experienced Long Island lawyers at Rosenberg & Gluck, L.L.P., can help you. Call (631/516) 451-7900
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