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In New York State, the “No-Fault” law governs injuries caused by car crashes.

Although most people have heard the term “no-fault,” the details can be confusing. This is especially true when normal life is upended by an unexpected collision.

Properly navigating the no fault system is another important reason to contact an experienced injury lawyer immediately after a collision.

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In New York, medical treatment for injuries caused by a car collision is paid for by no-fault insurance from the vehicle that the injured person was in at the time of the incident. This is true regardless of how the accident occurs or which car is at fault. It applies equally to people with or without health insurance coverage. People who have health coverage through work or otherwise should not assume that their medical bills will be covered. On the contrary, under New York law everybody is subject to the no-fault system regardless of whether they have other insurance.

Generally speaking, no-fault insurance covers medical bills and a portion of lost wages arising from a motor vehicle collision. However, the benefits are not limitless and insurance companies frequently impose restrictions that limit your coverage. Most importantly, there are strict filing deadlines. When injury victims fail to file timely, the insurance company may deny benefits which means bills may go unpaid. A no-fault denial can also limit access to medical care, expose the injury victim to unnecessary debt and limit compensation for time lost from work.

Contact Steve Williamson to determine the best course of action following your accident.