If you have a vehicle registered and insured in New York, you have No-Fault
insurance. The No-Fault system has been in place in New York for a long
time. Nonetheless, many Newburgh residents do not know how such affects
their ability to receive compensation when they have been involved in a
motor vehicle accident.
Experienced Newburgh car accident attorneys are proficient in the practice and application of New York No-Fault regulations.
Most importantly, No-Fault coverage applies under all motor vehicle insurance
policies. No matter where you sit in the vehicle at the time of an accident,
this coverage will apply. It doesn’t matter who was at fault or
who caused the accident. Injured persons can be paid for their medical
bills, lost wages, and other medically necessary costs. Of course, the
injuries and related costs must relate to the accident itself in order
for these rules to apply.
These attorneys know that you are covered by either your own policy, or
by the policy that covers other vehicles involved in the accident, even
if the car is a rental. If the vehicle that you are in has no insurance,
your own policy for your vehicle could apply. Other nuances exist that
experienced attorneys will be aware of. For instance, there are
exceptions to the rule.
The amount of money available for compensation is not infinite. There is
a $50,000 minimum coverage level that all drivers must have which will
apply to each person
injured in the accident. All wages aren’t covered either; only 80% of gross wages are replaceable
with a cap of $2,000 per month. Note that some motorists may elect to
have higher coverage and increased limits to wage replacement. Basic economic
loss coverage can also be added to a policy, as can medical payments,
and personal injury protections.
Once injured in the accident, you must notify the insurance carrier, in
writing, and no more than thirty days after the accident occurred. Don’t
expect that this time will be extended; rather operate under the assumption
that this rule is hard and fast. With that being said, don’t refrain from
calling an attorney for help because some instances allow for an application extension.
There are additional time restrictions. For example, you only have 45 days
after receiving medical treatment to submit medical bills to the No-Fault
carrier. Since on the topic of treatment, you should understand that you
have the right to choose your own medical providers; however, the insurance
company may require you to see another doctor to get an independent opinions
as to the diagnosis and treatment recommendations. A differing opinion
could lead to a denial of coverage, but you do have a right to challenge
such a denial.
Learn more about general car insurance issues and an overview of important
issues in the latest article by our law firm
available by clicking here.
Our personal injury attorneys at
Mainetti, Mainetti, and O’Connor, P.C. have over 100 years of combined experience working with victims of personal
injury accidents throughout New York. We understand how to effectively
represent clients who have been injured in serious car accidents, particularly
throughout the Mid-Hudson Valley region in Kingston, Poughkeepsie, and
Newburgh where we have offices. Hear
what our clients are saying about us here and learn about just some of our
successful results here. If you or a loved one has been injured in a personal injury accident,
please do not hesitate to contact us by calling 845-340-HURT (4878) or
toll free at 866-440-4452, or by using the
convenient contact form here.