Every motorist in New York State is required to purchase no-fault insurance for their cars. No-fault insurance law can be confusing. It is sometimes difficult even for lawyers to make sense of the many provisions. For ordinary people, it can be impossible.
After a Binghamton car accident, the last thing you need — as you struggle with personal injuries, doctor bills and car repairs — is to also have to grapple with an insurance company over no-fault benefits.
Fortunately, you don’t have to do it alone.
A Binghamton no-fault insurance lawyer can fight for you. If you have been injured in a car accident — as a driver, passenger, pedestrian or other victim — the personal injury team at Scott C. Gottlieb, Injury Law Attorney, will see that you get every penny of no-fault benefits that you deserve.
Call (607) 724-7700 or use this online contact form for a free, no-obligation consultation. We can get to work on your no-fault insurance claim today.
No-Fault Benefits for New York Accident Victims
Motorists have to obtain no-fault insurance coverage before they can register a vehicle in New York or obtain license plates for it.
No-fault Insurance is also known as “personal injury protection” (PIP). It pays for certain expenses and losses related to the accident. As its name suggests, no-fault coverage usually applies regardless of how the accident happened or who caused it.
No-fault auto insurance can pay for:
- Medical treatment that is reasonable and necessary
- Hospital bills
- Doctor bills
- Ambulance bills
- Medications and prescription drugs
- Rehabilitation expenses
- The cost of going to and from the doctor’s office
- Lost earnings
- Household help
- Death benefits if the motor vehicle crash was fatal.
The purpose of no-fault insurance is to help restore people hurt in a car crash to good health and productivity as quickly as possible. The protections covers you and all relatives who live with you against economic loss arising from injuries sustained in motor vehicle accidents anywhere in the United States, its territories and Canada.
Basic no-fault coverage pays up to $50,000 per person to the driver and all passengers and pedestrians. Motorcycle riders, however, are not covered by New York no-fault insurance.
Claims for “Serious Injuries” in Car Accidents
In New York, a lawsuit stemming from an auto accident can be brought only for:
- Economic losses that exceed no-fault benefits; and
- Non-economic damages (such as pain and suffering) only in cases of “serious injury.”
You should always speak with a New York car accident lawyer to see if your case qualifies as a “serious injury.” Otherwise, you may fail to get the full amount of money you deserve.
Some losses are not covered by no-fault insurance. For instance, it will not pay for the repair of your car or for any damage to another party’s car. Nor does it pay for the loss or damage to personal property.
And if you were injured while riding on a motorcycle — either as driver or passenger — you cannot receive no-fault benefits. But you might be able to file a personal injury claim for your injuries and damages.
If you are one of the more than 170,000 people who are injured in a New York State car accident each year, you are entitled to a free legal consultation with an experienced Binghamton car accident lawyer.
Know your rights! Call Scott C. Gottlieb, Injury Law Attorney, at (607) 724-7700 or use this online form today – and sleep better tonight.