No Fault – The Complicated Process in New York
New York State is a no-fault state. To many, that is a confusing term. It does not mean that no one is at fault in an accident. It also does not mean that you are guaranteed payment for your injuries. What it does mean is that a person will have medical coverage, lost wage benefits and other out-of-pocket expenses if they are injured in an accident.
The last thing you want to worry about after being involved in an accident is all the paperwork, but with no-fault insurance there are critical timelines that must be met. In New York State, a no-fault claim must be filed with the insurance carrier within 30 days of the accident. All medical bills must be submitted within 45 days, and all other expenses within 90 days.
There are other important details and nuances with no-fault insurance. Therefore, it is best to have an attorney to help you keep everything in order and submitted on time. Dealing with the insurance companies is really the last thing you want to do when you are trying to recover from your injuries.
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