Have you been involved in a motor vehicle accident? If so, and you were the driver, passenger, bicyclist or pedestrian hit by a vehicle, you are entitled to receive no fault benefits through the insurance policy of the insured New York vehicle that you were occupying at the time of the accident. Regardless of who caused the accident, no-fault insurance is insurance coverage offered under the insured automobile insurance policy to pay for medical bills, medically-necessary expenses and lost wages.
At a minimum, no-fault coverage provides for up to $50,000 per person in benefits for the following:
- All necessary doctor and hospital bills and other health service expenses;
- 80% of your gross lost earnings up to a maximum monthly payment of $2,000.00 a month for up to three (3) years following the date of the accident (provided that a treating Doctor submits a disability note);
- Up to $25 per day for a period of one (1) year from the date of the accident for other reasonable and necessary expenses the injured person may have incurred because of an injury resulting from the accident, such as the cost of hiring a housekeeper or necessary transportation expenses to and from a health service provider, prescriptions, etc.
In some cases, the insured vehicle that is providing the no-fault benefits may have more than the basic minimum providing on the type of coverage that was purchased with the policy.
These available benefits can be crucial to an individual who needs financial and medical assistance and cannot work as a result of serious injuries suffered from a motor vehicle accident.
There is a catch, however, to receiving any part or all of these no-fault benefits. You must put the applicable no-fault automobile insurance carrier on written notice within thirty (30) days of a motor vehicle accident by submitting a no-fault application. Although there are limited exceptions, the failure to submit the written no-fault application can result in a denial by the carrier to provide these no-fault benefits. Therefore, it is critical that a no-fault application is submitted to the no-fault carrier as soon after the accident as possible.
To learn more about what you may be entitled to receive through no-fault insurance coverage and to find out if you qualify to be eligible to receive these benefits, contact us immediately so that we can schedule an appointment for you to come into our office. In addition to helping you receive the no-fault benefits you may be entitled to, we will evaluate your case to see if you are entitled to bring a lawsuit for the pain and suffering you are experiencing as a result of the serious injuries sustained from the motor vehicle collision.