Protecting Your Right to Full Compensation
New York is a no-fault auto insurance state. This doesn't mean that fault is not important. It simply means that your own no-fault insurance will pay you certain benefits no matter who was at fault. If you have suffered a serious injury (known as a threshold injury), you can sue the at-fault driver for damages beyond what is covered by no-fault insurance.
At the Schonberg Law Offices of the Hudson Valley, I offer a free initial consultation to explain how New York no-fault auto insurance works. With law offices in the Towns of Monroe/Woodbury, Newburgh and Poughkeepsie, I represent clients in Orange County, Dutchess County and surrounding counties in New York's Hudson Valley.
If you are injured in a motor vehicle accident (with the exception of motorcycle accidents), whether you are a driver, a passenger or a pedestrian, you may be eligible for no-fault benefits.
What Does No-Fault Auto Insurance Cover?
New York no-fault insurance usually pays up to $50,000 in medical expenses with no co-payments or deductibles. It usually pays up to $2,000 a month in lost wages for up to one year, travel expenses to drive to and from the doctor's office, and certain other expenses related to your accident.
No-fault insurance is not user-friendly, and getting your insurance company to pay can be difficult. If you have suffered a threshold injury, I will assist you in your no-fault claim at no cost while pursuing your personal injury claim against the at-fault driver.
What is a Threshold Injury?
Certain injuries such as burns, scarring or fractures meet the threshold automatically. Back and neck injuries may qualify if you receive proper treatment and have medical documentation of your injury. As your lawyer, I will assist you in obtaining the right medical treatment and make sure you do everything you need to do to document your personal injury claim with aims of obtaining full compensation.
Under the right circumstances, and personal injury lawsuit can help you recover compensation for medical expenses and lost wages beyond what no-fault insurance will cover. You can also recover compensation for pain and suffering and lost enjoyment of life. "Lost enjoyment of life" refers to things you can't do any more because of the accident.
Free Lawyer Consultation
I offer a free consultation to answer your questions about New York no-fault insurance. To schedule an appointment with me, attorney Bruce Schonberg, call 888-475-6249 or fill out the contact form on this site.
