What Do No-Fault Benefits Cover?
Watch this educational video by one of our experienced car accident lawyers in Orchard Park as he explains what is covered by no-fault benefits in New York.
People are always asking us, “What type of benefits do you have under no-fault when you’re involved in a car accident?” I’ll try to make the explanation as simple as possible. Basically, when you’re involved in a car accident, the no-fault coverage for whatever vehicle you’re in will apply. No-fault coverage means you’ll get these benefits whether or not the car you were in was at fault. You’ll get $50,000 of initial coverage for such things as medical expenses and lost wages up to $2,000 a month – so it’s not great, but it’s something. You also get some incidental expenses for the first year, including $25 a day for help around the house if you need it, mileage for going back and forth to doctor appointments, and things of that nature. Those are the basic benefits of no-fault.
In order to secure those benefits, you have to submit a no-fault application within 30 days of the accident. Usually, that’s not too difficult when you’re the owner and operator of the car; however, if you’re a passenger, you sometimes have to be fairly proactive because the insurance company that covers the driver or owner of the car may not be reaching out to you. That’s another reason to get in touch with us quickly – because we will immediately reach out to that insurance carrier, make sure your no-fault application is filled out, and make sure you have those benefits. It’s important to use no-fault to cover your medical expenses – rather than your own health insurance – because then there’s no lien if you eventually obtain a recovery down the road.
Were you involved in an accident and have questions about no-fault benefits? Contact the experienced car accident lawyers in Orchard Park at Chiacchia & Fleming, LLP for a free consultation. We treat your case and your injuries seriously and do everything in our power to bring you relief.