How to file a no-fault insurance claim in New York is a crucial question that stocks the mind of an individual involved in a motor vehicle accident. Researchers and analysts suggest that car accident victims and survivors face a complicated time when dealing with insurance companies. 

Also, every state in the United States has a different law for personal injury and auto accidents.  New York, for instance, is a no-fault state. Now what’s a no-fault state, not everyone can understand the legal intricacies of state laws to decide what’s best for them. 

However, a professional and experienced accidental claim help can make the whole process easy and less painful. But first, understand the no-fault insurance claim in New York. 

What is a No-fault State?

New York is a no-fault state, which means in New York none of either party involved in an accident has to prove they are not at fault. Therefore, both parties get compensation from their insurance companies, regardless of who was liable for causing the personal injury or property damage. 

Usually in different states, after a motor vehicle or car accident, the injured party claims insurance and compensation from the other party, which has to prove it was not at fault for the particular incident. And the responsible party has to pay money to the plaintiff. 

However, in New York State, all parties, involved in an accident will file personal injury claims to their own insurance companies and receive compensation for their damages without determining fault. Let’s understand the steps involved in how to file a no-fault insurance claim in New York State.

How to File A No-Fault Insurance Claim in New York?

Although New Yorkers have the advantage of no-fault law. However, the law has its complications that become painful if poorly managed. Therefore, having an experienced personal injury lawyer can save the claimants from unnecessary complexities. Car accident attorneys know how the ropes work, and they can guide the claimants well through the insurance claim compensation process. Let’s review the steps involved in how to file a no-fault insurance claim in New York

• Submit the no-fault application form (NF-2)
• File the claim application within 30 days of the accident
• Inform the New York State Moter Vehicle Accident Indemnification Corporation

What You Can Get From Insurance Claims?

After a successful insurance claim in New York, both the parties can get the compensation for the following;

Medical bill payments

Lost income

Property damages

Intangible losses

New York Minimum Insurance Requirments 

No-fault Coverage

To avail of no-fault compensation after a motor vehicle accident, the insurance companies require the drivers to carry Personal Injury Protection (PIP). Referred to as No-fault coverage, the PIP will help you get lost wages, medical, and all other expenses, for you and your passengers regardless of who was at fault. PIP covers the following

• Reasonable and necessary rehabilitative costs
• Maximum payment of up to $2000 per month for three years to cover lost wages
• Up to $25 per year from the date of the accident to reimburse other expenses
• Basic no-fault limit of $50,000 per person
• $2000 death benefit along with $50,000 for the person’s estate who dies from the accident

Liability Coverage 

Even if New Yorkers have a no-fault insurance claim, they are required to buy liability coverage. It works in a situation when a third party files a case with your insurance company or the accident resulted in severe injuries, death, or property damage to another party. 

Minimum Liability Coverage is; 

• Bodily injury liability insurance $25,000 per person / $50,000 per accident
• Wrongful death liability insurance $50,000 per person / $100,000 per accident
• Property damage liability of $10,000