No-Fault Benefits: NY OBEL Coverage & APIP

Rosenberg & Gluck, L.L.P.
Long Island Personal Injury Lawyers, Aggressive Representation, Real Results

No-Fault Benefits: NY OBEL Coverage & APIP

Most people know about basic motor vehicle coverage.

But you might not know that you can purchase additional coverage through either APIP or OBEL.

APIP Additional Personal Injury Protection

If you purchase an auto insurance policy in New York, it must provide a mandatory minimum of $50,000 in personal injury protection coverage (PIP) according to New York State law.

The most basic APIP add-on would increase your coverage by $50,000 to a total of $100,000.

OBEL Optional Basic Economic Loss

OBEL coverage provides a person with an additional $25,000 of coverage beyond the no-fault PIP $50,000 limit.

OBEL coverage works very similarly to an APIP policy, with one major difference.

In the case of optional basic economic loss, OBEL coverage gives you the ability to decide which expenses and what party gets the payout.

Is Anyone Not Eligible For No-Fault Benefits?

New York no-fault laws cover pedestrians injured in a motor vehicle accident, drivers of cars, bicyclists, and passengers in a car or truck that's involved in an accident.

Motorcyclists and scooter riders; however, are not considered eligible to receive no-fault benefits.

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.