What Does No-Fault Insurance Mean?

New York is a No-Fault insurance state. No-Fault insurance means that if you've been involved in a car accident, you are entitled to certain benefits no matter who is at fault. The benefits covered by No-Fault insurance may include:

►Payment of Medical Bills
►Lost Wages
►Other Miscellaneous Expenses

How does No-Fault insurance work? It's simple - follow the car. Whether you are the driver or a passenger, it is the car that you are travelling in that dictates what No-Fault insurance company is responsible for paying your primary No-Fault insurance benefits.

Pedestrians and bicyclists injured in accidents with motor vehicles are under NY No-Fault insurance laws. In both cases, they should file their primary claim against the car that was involved in the accident with them.

Every car accident is unique, causing the amount of benefits you may receive to vary on the amount of insurance coverage you carry. Along with primary coverage, additional benefits may be available from a car that is owned by you or by a family member in your household.

Need help filling out your No-Fault insurance form? The personal injury lawyers at William Mattar are happy to review your motor vehicle insurance policy to see which additional benefits you may be entitled to.