What are No-Fault Benefits?
New York is what’s called a “no-fault state,” and what that means is if you’re involved in a motor vehicle accident, whether you’re a driver of a motor vehicle, a passenger, a pedestrian, someone who’s crossing the street who’s struck by a motor vehicle, you’re entitled to what’s called no-fault benefits. Anything that arises from use and operation of a motor vehicle. There’s, generally speaking, $50,000 in insurance coverage that you’re entitled to regardless of who’s responsible for an accident. Whether you walked out into the street in front of a motor vehicle, it’s a benefit that, by law, regardless of fault, you’re entitled to, and that provides you for medical coverage as well as 80% of any lost wages that you might have. Now, in addition to those no-fault benefits, when there’s a third-party or another responsible party that caused this accident, then you’re entitled – you have the ability to bring a lawsuit.
At our law firm, what we do is we make sure that people are properly protected when it comes to these no-fault benefits. A no-fault application needs to be filed within thirty days of the date that someone’s injured, and then we do all necessary investigation when it comes to pursuing that third-party motor vehicle accident.
If you have questions concerning receiving no-fault benefits, call Hach & Rose, LLP, at 212-779-0057 to discuss your situation with a New York car accident lawyer.