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How can No-Fault coverage help me after an accident?

The aftermath of a car accident can be confusing and overwhelming, especially if you get injured. You might be wondering how you will pay for the damages you received in an accident. Rest assured, there are provisions in place that can help get you the assistance you need.


What is No-Fault insurance?

New York is a No-Fault insurance state, which means when you purchase a No-Fault policy, your insurance will cover any injury-related damages sustained in a car accident.

However, what sets No-Fault insurance apart from other types of insurance is that you can receive compensation for your damages regardless of who was at fault. Often, insurance companies will only reimburse damages to the driver who was not responsible for the accident. No-Fault insurance does not take fault into account when awarding benefits.

What does No-Fault insurance cover?

The purpose of No-Fault is to help you recover from your accident as soon as possible. No-Fault insurance will pay for necessary expenses related to your accident injuries, such as:

  • Medical bills
  • Treatment or rehabilitation costs
  • Prescriptions
  • Lost wages
  • Travel expenses for medical treatment

Not covered by No-Fault

While it’s good to know when No-Fault insurance will cover you, there are also instances when you cannot claim No-Fault. No-Fault insurance will not cover:

  • Vehicle damages
  • Pain and suffering claims
  • Motorcyclist injuries

Filing a claim

Filing a No-Fault claim can get you the compensation you need to recover as quickly as possible after a car accident. If you are eligible for benefits, make sure to file your claim within 30 days of your accident. In addition, you should submit any medical bills to your insurance company within 45 days of the date of treatment. Other injury-related bills and expenses should be sent no later than 90 days.

No-Fault insurance should help you receive reimbursement if you were seriously injured in a car accident. If you are unfamiliar with the process or need any questions answered, it can help to have an experienced personal injury attorney at your side.

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