New York is one of 12 states that have No-Fault coverage when a person is the victim of a motor vehicle accident. The coverage was designed to ensure that regardless of fault, if injuries were sustained in the crash an insurance company will pay up to $50,000 for economic losses to an injured party who was the driver or passenger of a vehicle. You can purchase additional benefits for a small additional premium with your insurance company up until $175,000. No other state offers such comprehensive benefits as New York.
No-Fault only covers drivers and passengers in a car, truck, bus or taxi that is both insured and registered in New York State. It does not cover motorcyclists; therefore if you are the operator or passenger of a motorcycle involved in an accident, you are excluded from No-Fault benefits. No-Fault does however cover cyclists and pedestrians who are struck by or come into contact with a vehicle.
Among the expenses that are covered under No-Fault include hospital expenses, doctor bills, prescription drugs, x-rays, household help, transportation expenses to and from a doctor, MRIs and other diagnostic testing. Under the coverage, you may file a claim for lost earnings, but first you must show proof of your wages by having your employer fill out a No-Fault Wage Verification Report commonly referred to as a NF-6. It is important to save all receipts for transportation expenses and prescription costs as No-Fault will reimburse for out-of-pocket expenses. You are entitled to receive 80 percent of your lost earnings for time missed from work due to an accident-related injury, but you first must get a “letter of disability” from your doctor stating that your injuries are in fact from the car accident.
A No-Fault application must be filed within 30 days of the date of the incident. There are no extensions. No-Fault benefits are tightly monitored by the insurance companies; they are always on the lookout for cutting off benefits as quickly as possible. The insurance companies hire their own doctors who have the right under their terms and conditions of the insuring agreement to examine the injured party. The insurance company will pick the date and time of the examination. You have the right however under the No-Fault regulations to appear for the examination at a time and place which is conducted for you. You also have a right to have your examination rescheduled for your convenience. The doctors hired by the insurance companies are working for the insurance company and attempt to “cut off” your benefits. That is why it is important to hire a lawyer as early as possible so that your No-Fault benefits will not be terminated after 30 days.
Filing a No-Fault claim can be tricky and the slightest mistake such as an incorrect entry on the form can give the insurance company a reason to deny your claim. Keep in mind, insurance companies will do anything within their power to deny your benefits so they don’t have to pay out benefits. Thus, hiring an experienced attorney who is familiar with No-Fault regulations will help you steer your way through this endless maze of regulations and rules and will be able to navigate through their attempts to deny benefits. Nassau car accident lawyer Jeffrey Wasserman can help with the process and make sure you receive the compensation you deserve for the injuries sustained.