No Fault Insurance in New York State

New York no fault l law requires the owner of every motor vehicle to carry insurance under article 51 also known as the “no-fault law.” Contrary to the belief of many, this law is not written to make anyone at fault in a motor vehicle accident. It provides for payment of medical expenses and other incurred losses or expenses, to the insured, the occupants of the insured’s vehicle and anyone else that is injured that is not the owner or passenger of another vehicle.

The provisions in a New York no-fault insurance law policy have limitations on the amounts of the compensation that can be paid to the injured party. That limit is $50,000.00. If a person earns that in one year and can no longer work for life, based on 25 years of remaining career that would be a loss of 1.2 million dollars. It is possible to bring a suit against a vehicle owner with no fault insurance in New York State, but a judge must decide whether the injuries fit the criteria of New York State no-fault law definition of “serious.” One would think not being able to perform one’s job for life is serious enough but nothing about the no-fault insurance law for New York State that is cut and dried. In fact, just the opposite is true.

The criteria for moving forward with litigation, over and above the threshold of the no-fault insurance laws of New York State have poorly defined boundaries due to recent court decisions. Today judges often create the impression that doctors need to go to law school to properly interpret the law and file properly. Due to this, it is imperative that an injured party that was involved in a no fault New York accident retain an experienced no fault insurance lawyer. The lawyer will have the skill to untangle the bundle of contrarieties that makes up New York State no-fault law.

At the Law offices of Tanya Gendelman in Brooklyn, we have an attorney of staff that is just the representation you need to help you with your no-fault insurance claim for New York state. Our attorneys always have your best interest at heart. They will aggressively investigate your case and make sure that you have the best medical documentation to support your claim. There are many discrepancies in the New Your state no-fault insurance law and only an experience Article 51 attorney is qualified to interpret and present the facts in the case accurately within the guidelines acceptable.