Even for the most cautious drivers, New York State roads have risks. Accidents can happen even if you are unprepared for them, and their consequences can last years. Thankfully, New York is a no-fault State, meaning that fault does not determine the viability of an auto insurance claim.
This can be beneficial for individuals who experience motor vehicle accidents. Still, there are some instances where you might need to pursue legal action to seek damage compensation. Therefore, understanding no-fault insurance can be helpful in an accident.
How does no-fault insurance work?
No-fault insurance is one of the coverages required in New York State. It is designed to cover necessary expenses in the event of a motor vehicle accident, such as:
- Medical expenses
- A percentage of lost wages
- Pedestrian injuries
- Passenger injuries
- Damaged property
You must file an insurance claim immediately if you get into an accident. Missing the established deadline can negatively impact the outcome of your claim. That is why you must comply with the requirements established by the law and your insurance provider.
Understanding insurance coverage
Occasionally, no-fault insurance might not be enough to cover expenses caused by a motor vehicle accident. In those circumstances, you can take legal action to seek additional compensation. A New York state attorney can evaluate your options and possible outcomes for your case.
You could receive additional compensation for your injuries if you were an accident victim. The state requires a $50,000 basic no-fault insurance coverage limit for each individual. If your expenses surpass this number, it might be time to consult an attorney. However, additional coverage might be available. If you want to increase your coverage limit in case of future accidents, you can contact your insurance provider.
Coverage exceptions
Sometimes, an individual might not receive coverage or compensation for their injuries. For example, a driver under the influence of alcohol can be exempted from coverage, even if all their documentation is in order. Additionally, uninsured drivers and individuals committing a felony are not covered by auto insurance.
Consequently, it is best to comply with local and federal regulations while driving. Still, you can seek legal counseling if you find yourself in a complex situation after an accident. An attorney can help you decide an optimal course of action for your case.