NO FAULT INSURNACE IN ROCHESTER, NEW YORK
WHAT IS NO-FAULT INSURANCE?
New York State is a “no-fault” insurance state. No-fault insurance is also commonly referred to by insurance companies as personal injury protection (“PIP”).
So, what is no-fault insurance? No-fault insurance means exactly what its named. If you’ve been involved in a car accident in New York State no-fault insurance covers costs associated with the car accident regardless of who was at-fault in the accident. In addition to the resources on this page, New York State’s Department of Financial Services provides a helpful consumer FAQ that you find here that goes into more detail about no-fault insurance if you are curious. You can also find the text of the regulation here.
At Parisi and Bellavia, as car accident lawyers with over 25 years of experience serving the Rochester area, we can help guide you through the no-fault process. If you’ve been injured in a car accident, please contact us by giving us a call at (585) 888-8000 or submit our online form today. The consultation is free and we do not get paid unless we help you recover just compensation for your injuries, so don’t hesitate.
WHAT EXPENSES DOES NO-FAULT INSURANCE COVER?
No-Fault Insurance in New York State covers up to $50,000 per person for “basic economic loss” due to the accident. What does that include?
Medical Expenses
No-Fault Insurance will cover medical expenses including doctors and hospital bills associated with the accident.
Lost Wages
No-Fault Insurance will cover 80% of lost earnings up to a maximum monthly payment of $2,000 for up to three years following the date of the accident.
Other “Reasonable and Necessary Expenses”
No-Fault Insurance will cover up to $25 per day for up to one year from the date of the accident for reasonable and necessary expenses. This may include, for example, transportation costs to and from doctors and hospital appointments.
Death Benefit
No-Fault Insurance also includes a $2,000 death benefit to assist with items such as burial costs, which is in addition to the $50,000 in coverage for economic losses.
LOCAL RESULTS*
WHO DO I FILE MY NO-FAULT INSURANCE CLAIM WITH?
Who to file your no-fault insurance claim with depends on what role you played in the accident. If you were in a vehicle involved in the accident, no matter whether you were the driver or just a passenger in the vehicle, you should file your no-fault insurance claim with the insurance company of the vehicle you were in. If you were a pedestrian and you were struck by a vehicle, you would file your no-fault claim with the vehicle that struck you. If you have any questions, again, you can always reach out to us at (585) 888-8000 to discuss for free.
HOW MUCH TIME DO I HAVE AFTER AN ACCIDENT OCCURS TO FILE A NO-FAULT CLAIM?
30 days, unless the injured person submits written proof with a clear and reasonable justification for the failure to comply with the time limit. This is a fast deadline and insurance companies lobbied for this quick timeline to give them a route to deny more claims, (insurance companies don’t make money by paying out on claims). Of all the things an injured party has to deal with when they’re injured in a car accident, submitting a no-fault insurance claim may not cross your mind immediately. Again, another reason, why it’s so important that you give us a call at (585) 888-8000 as soon as possible when you’ve been injured in a car accident
WHAT DO I DO IF MY COSTS EXCEED $50,000?
$50,000 in no-fault insurance is not a significant amount of money if you’ve suffered a serious injury in a car accident in Rochester. Once you account for medical expenses and lost wages, $50,000 in expenses can rack up quickly.
Assisting Rochester’s injured with car accidents that result in serious injuries is what we do every day, and have done for over 25 year, at Parisi and Bellavia. If you give us a call at (585) 888-8000 we can assess whether to bring a lawsuit against the at-fault party in the accident to help you recover for your lasting injuries.
DOES NO-FAULT APPLY TO MOTORCYCLE ACCIDENTS?
No, generally motorcycle riders and passengers are excluded from no-fault insurance benefits in New York State. If you’ve been injured in a motorcycle accident, contact us today to discuss your options for free.
WHY IS IT IMPORTANT TO CONTACT A ROCHESTER CAR ACCIDENT LAW FIRM LIKE PARISI AND BELLAVIA IF I’M INJURED?
As Attorney Al Parisi explains in the above video, you must be careful when filling out your no-fault application, even if your submitting your no-fault application to your own insurance company. Contrary to what you may think, your insurance company has their best-interests in mind, not your own. Insurance companies are trained at finding a reason to deny a claim.
Therefore, if you fill out your no-fault application incorrectly the insurance company may use that to deny needed medical expenses or lost wages for your no-fault claim. In addition to how you fill out your application, the insurance company you work with will try to find information about your well-being in an effort to cut off benefits. Someone at the insurance company may use their gentle tone to ask you if you’re “feeling better” and use your answer against you to deny claims. Unfortunately, this is the way the insurance world works.
Fortunately, we’re here to help. That’s why, it’s important that you contact us as soon as possible if you’ve been injured in a car accident in Rochester so that we can understand what happened and give you the best advice for moving forward.
CONTACT ROCHESTER CAR ACCIDENT LAWYERS TODAY FOR YOUR FREE CONSULTATION – (585) 888-8000
If you’ve suffered a car accident in Rochester, NY contact Parisi and Bellavia, Rochester’s trusted car accident lawyers today. Our difference is that when you call us you get us and we’ve recovered millions in car accident settlements and trials for individuals injured here in Rochester. Let our family fight for yours.
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