New York No-Fault Laws

Understanding No-Fault Insurance in New York

Albany Car Accident Attorneys

All drivers are required to carry insurance in New York State. If you are injured in a car accident, your own insurance company will compensate you for lost wages and medical expenses. In order to qualify for compensation for pain and suffering you must be able to prove that you have a "serious injury" as defined by New York's No Fault law. Hacker & Murphy, LLP, can help you seek your no-fault benefits, and compensation from any and all other potential sources.

To find out more information about no-fault auto insurance claims in New York, contact our firm online or call (866) 919-9031.

Sources of Compensation

When involved in a car accident, an injured driver generally has three sources in which to seek compensation:

• Property damage claim — In order to qualify for a property damage claim for your car, you must be able to prove that the accident was the other driver's fault.
• No-fault claim — Under a no-fault claim, it is not necessary to prove that the accident was the other driver's fault. Benefits are usually capped at $50,000. unless the applicable policy has Optional Basic Economic Loss Coverage (OBEL) or Additional Personal Injury Protection (APIP) coverage, which increase limits. No fault insurance covers lost wages and medical care up to $50,000. You must apply with the no-fault carrier within 30 days of the accident.
• Personal injury claim for pain and suffering - To recover compensation for a personal injury, you need to show that you have sustained a "serious injury" as defined by section 5102(d) of the New York Insurance Law.
• Supplementary Underinsurance Claim (SUM/UM) - If the at fault driver has no insurance, or not enough, your own insurance company may provide you with coverage for pain and suffering.

At Hacker & Murphy, LLP, we help clients explore all options for compensation following a car accident. We have extensive experience in investigating and preparing car accident claims for settlement or trial. For decades, we have been helping clients throughout New York seek maximum compensation for their accident-related injuries.

Contact Us

To speak to an attorney about your no-fault insurance claim, contact a lawyer online or call (866) 919-9031.