What is “No-Fault” insurance?
Updated: Jan 26
“No-Fault” insurance, or “Personal Injury Protection” (PIP) pays your medical bills and part of your lost wages for injuries resulting from a motor vehicle accident no matter who caused the accident. In certain circumstances No-Fault Insurance covers a medical and hospital expenses, prescriptions, housekeeping services (if a doctor confirms the necessity), taxi cabs to medical appointments (maximum of $25 per day) and pays a portion of your lost wages, no matter who caused the accident. Your injury must relate to a motor vehicle accident – although you may be a pedestrian or bicycle rider when hurt. Most people involved in an automobile accident in New York State, even pedestrians, can get No-Fault benefits from somewhere, possibly even the MVAIC. Motorcycle drivers are not usually covered.
If you are hurt in an automobile accident, you should get the benefits, which do not compensate you for pain and suffering, just for economic loss. (However, if you were working at the time of the accident, you may be eligible for Workers’ Compensation.)
Additionally, there are certain forms that must be filed with the No Fault insurance carrier immediately as short time deadlines apply which could jeopardize your claim for No Fault benefits. These deadlines can be as short as thirty days from the date of your accident. We can only repeat the advice previously given: If you are injured in a car accident, truck accident, or automobile accident, you should quickly contact my office. You don’t need to be bogged down with paperwork that I deal with on a daily basis and will complete if I take your case.