No-Fault Insurance Coverage in New York State | Macaluso & Fafinski
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No-Fault Insurance – New York State


Car accidents can create many problems. Luckily, with No-Fault insurance coverage, you can focus on recovering without worrying about medical bills and lost earnings from work.


no-fault insurance


What is No-Fault Insurance?


No-fault is a type of auto insurance meant to protect you financially in the event of a car accident. Several states nationwide have no-fault laws, including New York, New Jersey, and Pennsylvania. Basically, these laws ensure that the responsible car insurance company will pay some or all of your medical bills, as well as other items related to the car accident. While some limitations and regulations exist, no-fault usually covers everyone involved in the accident.


Who is Eligible for No-Fault?


People injured in car accidents in New York are eligible for No-Fault benefits. That includes drivers, cyclists, pedestrians, or passengers injured in a car accident. The only requirement for a covered person to receive No-Fault benefits is to file a No-Fault application within 30 days of the accident.


How to File for No-Fault Benefits


When filing for No-Fault coverage, it is important to follow each step carefully and correctly. An insurance company can deny your claim if you do not file in time or with the correct insurance company. To protect your benefits, follow these steps carefully:


  • Complete the No-Fault application. You can request the form by phone or mail from the insurance company involved. For your convenience, you can download it here.
  • File the No-Fault Application within 30 days of the crash with the correct insurance company.
  • Submit your bills and lost earnings to the no-fault insurance company covering your accident.
  • Since no-fault covers lost wages, your employer will need to send proof of your wages to the insurance company. This report form will be provided by the insurance company. Download it here. Additionally, you will need to obtain verification from your doctor that you are unable to work.
  • No-fault also covers additional expenses related to your injuries. Be sure to save receipts from transportation to appointments, pharmacy bills, and medications so that they can be submitted to the insurance company.

What Does No-Fault Cover?


In New York, No-Fault allows insurance companies to pay each individual up to $50,000 for accident related expenses. These include:


  • Hospital expenses
  • Medical bills
  • Prescriptions
  • Diagnostic tests (MRIs, X-Rays, etc.)
  • Physical therapy
  • Lost wages and out-of-pocket expenses

Under the No-Fault laws, your lost wage is paid at 80% per month, and a maximum of $2,000 per month. For out-of-pocket expenses, no-fault allows only $25 a day for up to one year following the accident. Additionally, in the event of a death, next of kin receive a $2,000 death benefit.


no-fault insurance


The No-Fault Process


Once filed, your claim is given a claim number. Your doctors and medical service providers need this number so as to get paid by the insurance company. Hence, this number is important. In addition to filing your no-fault application, you will eventually need to see a doctor assigned by the insurance company for evaluation. This doctor then evaluates your injuries and determines if you can receive continued benefits. Although you may disagree if the doctor denies future benefits, this decision is usually binding while the case is ongoing.


Protect Yourself With the Assistance of Experienced Personal Injury Attorneys


Therefore, let us help you take care of your No-Fault issues related to your car accident. Contact our successful and experienced auto accident attorneys who are familiar with the No-Fault process. Contact us today for your free consultation!


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