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How Does New York’s No-Fault Insurance Work?

If another New York City driver crashes into your car and injures you, you may expect a long, drawn-out battle with that driver’s insurance company to pay for your medical bills. But in New York, your required insurance coverage includes no-fault benefits.

No-fault benefits, also know as personal injury protection, make sure your insurance company covers your medical bills quickly. You do not have to wait for the other driver’s insurance company to process a claim to get compensation for medical bills.

What does no-fault insurance cover?

The minimum no-fault coverage required in New York covers up to $50,000 for each person injured in a vehicle. Any pedestrians injured by a car can also receive no-fault benefits from the insurance company that covers that car.

The benefits of no-fault insurance include paying for medical expenses, supplementing lost wages due to recovery and covering a few basic expenses related to the accident. In New York, no-fault insurance will also pay $2,000 to the family of anyone who died in a car accident.

What does no-fault insurance not cover?

While no-fault insurance covers the expenses of medical bills and lost wages, it does not cover any damage to your car. If the insurance companies determine that the other driver was at fault, the other driver’s insurance company will reimburse you for your car’s damage.

You can also file a lawsuit to cover your car’s damage. You may also want to file a lawsuit if you get a severe injury and your no-fault benefits don’t cover your medical costs. Speak with an attorney if you feel like the insurance benefits do not cover the cost of your accident.

Making sure you can pay for your medical bills

When you get an injury in a car accident, you cannot afford to wait to cover the cost of your care. That’s why New York requires you to have no-fault insurance benefits. These benefits make sure that you don’t have to wait for a lawsuit or an insurance claim to go through before getting reimbursement for your medical bills.

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