Learning About No-Fault Auto Insurance

If you have been injured in a motor vehicle accident in New York City, the personal injury lawyers at Dansker & Aspromonte can help you pursue compensation for your medical bills, wage loss, pain and suffering, and other hardships.

When you’re injured in an auto accident in NYC, it’s recommended that you speak with a personal injury lawyer at Dansker & Aspromonte, who can assist you with obtaining compensation for your wages lost, medical bills, pain and suffering and other difficulties in your life due to the accident.

No-fault auto insurance enables drivers to receive compensation from their insurer, no matter who is at fault for an accident. Some states have a structure for no-fault insurance and others don’t. The states that do have laws that determine when, how long and how much compensation an injured party may obtain.

To determine how the laws in New York City can affect the outcome of your case, you should speak with a NYC accident attorney at Dansker & Aspromonte. Contact our office today to schedule an appointment for a consultation.

No-Fault Insurance Basics

With no-fault insurance policies, insurers are agreeing to pay policyholders money for damages and injuries caused by an accident, with no regard to who was responsible. This is different than insurers that have at-fault insurance policies, which requires an investigation to determine who was at fault. Once it has been determined, the responsible party’s insurer has to pay for the majority of the compensation.

The purpose of the no-fault insurance system was to lower the burdens placed on the courts and to help speed up the process of payments to individuals who have been injured in a car accident. In a state with a no-fault insurance structure, it is much harder to sue a driver who is at-fault for the damages incurred. In order to take these legal measures, the inured party must have serious injuries. In a no-fault state, it is more certain that injured parties will receive compensation, since it is made available right away through the policy of the injured party. However, there is a cap on how much a policy will pay for compensation.

In the no-fault insurance system, the injured individual is prevented from obtaining a windfall caused by the auto accident. Plus, it makes certain that compensation is received by the injured individual, no matter who was at-fault. If certain economic losses were sustained by the other driver, he or she too will receive compensation from their insurance provider. The state laws for no-fault insurance range widely.

Personal Injury Protection

Those who have no-fault insurance likely have a personal injury protection package. This is when your insurer pays for the medical bills for the driver that’s insured, as well as the passengers who are injured in a motor vehicle accident. Some of the losses that PIP covers include medical expenses, funeral costs and loss wages. It won’t, however, cover compensation for pain and suffering or damages caused to a vehicle. Each state is different. PIP policies tend to have limits on how much they’ll pay for compensation.

Call a Personal Injury Lawyer

What you do after you’ve been in a car accident plays a major role in how much money you can recover. It can be tricky dealing with insurance providers. This is why you should consult with a personal injury attorney at Dansker & Aspromonte Associates in NYC. We can help clarify the systems and its laws for you.

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