What is No-Fault?
New York State No-Fault Law
When you are involved in a car accident, New York State No-Fault Law provides certain benefits.
The No-Fault Carrier can reimburse you for necessary doctor and hospital bills and other health services expenses:
-80% of lost earnings, with a maximum of $2,000.00 a month, for up to three years following the date of accident;
-up to $25.00 per day for a period of one year from the date of accident for other reasonable and necessary expenses incurred because of a resulting injury, i.e. transportation to and from medical providers, the hiring of a housekeeper, etc.; and,
-a $2,000 death benefit, payable to the estate of a covered person.
These are the minimum benefits required in every car insurance policy in the State of New York. Your benefits may be greater if there is extended coverage on your policy or on the policy of the liable party.
Victims of car accidents must provide written notice of claim for motor vehicle no-fault benefits to the appropriate insurance company within 30 days from the day of the accident.
Also, bills for health care services must be submitted to the insurance company within 45 days of the treatment. Claims for lost earnings and other reasonable and necessary expenses must be submitted to the insurance company within 90 days. Failure to make these timely submissions will result in no-fault benefits being denied.
If you have any questions, please don't hesitiate to contact Avanzino & Moreno, P.C.