New York's Insurance Law requires an auto insurance company to pay certain benefits to an injured person hurt through the use or operation of a motor vehicle, regardless of who was at fault in causing the accident.  This way, the injured person's medical bills, lost wages and other listed expenses are paid promptly, without getting into a legal fight and argument over who should be paying. The insurance carrier for the vehicle you were riding in at the time of the accident must pay your medical bills, lost wages and certain other  miscellaneous expenses (up to $25 per day) that you incurred as a result of the accident, up to $50,000.   This type of insurance coverage is commonly referred to as Basic PIP, for Personal Injury Protection, also known as no-fault.   Once the $50,000 is exhausted, you may look to your own automobile policy to see if you have purchased other coverage over and above this Basic coverage. Hopefully, you will have previously opted to purchase either Optional or Additional PIP coverage. With Optional PIP coverage, you get an additional $25,000 to apply to your lost wages, medical bills and miscellaneous expenses.  With Additional PIP coverage, you get an extra $100,000 to apply to those expenses. After you have exhausted all of the benefits available to you PIP, your private health insurer would then begin paying your medical bills.  Most importantly, keep in mind that if you are injured in an auto accident, you must file an application for no-fault benefits (form NF-2) within 30 days from the date of the accident.  If you don't, your claim will be denied.

 

Listen to Scott's radio show, "Cannon's Law- Opening Fire" on WYSL 1040AM and FM TALK 92.1, Saturday mornings 8:00-9:00, and Sunday evenings from 6:00-7:00.

Q: I was injured in a car accident.  What are the "no-fault" benefits I keep hearing about?  Who pays those benefits?

A: New York's Insurance Law requires an auto insurance company to pay certain benefits to an injured person hurt through the use or operation of a motor vehicle, regardless of who was at fault in causing the accident.  This way, the injured person's medical bills, lost wages and other listed expenses are paid promptly, without getting into a legal fight and argument over who should be paying.

The insurance carrier for the vehicle you were riding in at the time of the accident must pay your medical bills, lost wages and certain other  miscellaneous expenses (up to $25 per day) that you incurred as a result of the accident, up to $50,000.   This type of insurance coverage is commonly referred to as "Basic PIP", for "Personal Injury Protection", also known as "no-fault".   Once the $50,000 is exhausted, you may look to your own automobile policy to see if you have purchased other coverage over and above this Basic coverage.

Hopefully, you will have previously opted to purchase either "Optional" or "Additional" PIP coverage.

With "Optional" PIP coverage, you get an additional $25,000 to apply to your lost wages, medical bills and miscellaneous expenses.  With "Additional" PIP coverage, you get an extra $100,000 to apply to those expenses.

After you have exhausted all of the benefits available to you PIP, your private health insurer would then begin paying your medical bills. 

Most importantly, keep in mind that if you are injured in an auto accident, you must file an application for no-fault benefits (form NF-2) within 30 days from the date of the accident.  If you don't, your claim will be denied.


Bookmark and Share

Free Book

An Insider's Guide to Avoiding Mistakes That Can Ruin Your Injury Case

Read More

The Ultimate Guide to Protecting Your Family From Irresponsible Drivers in New York

Read More

Talk To Me

Please fill out the form and we will be in touch with you shortly.

Name:

Phone:

Email:

Tell us more:


Law Offices of Scott D. Cannon
28 Main Street
Geneseo, New York 14454
Phone: (585) 243-9330
Toll Free: (800) 343-6918

Get Directions

©2010 Cannon Law Office, All Rights Reserved, Reproduced with Permission
Attorney website design by Foster Web Marketing, the best attorney website design solution on the Web offering search engine optimization for attorneys, lawyer website design, video for attorneys, and more.
Get SEO Tips from The Attorney Internet Marketing Blog

Served By: A