Queens Car Accident Attorney Keetick L. Sanchez Explains No-Fault Insurance in New York

Queens car accident attorney Keetick L. Sanchez (https://accidentlawyer-queens.com/is-new-york-a-no-fault-state/) of K L Sanchez Law Office, P.C. sheds light on a critical question for New York drivers: Is New York a no-fault state? In a newly published article, Sanchez explains how New York's no-fault auto insurance system works, who it covers, and what steps accident victims should take in the aftermath of a crash.

The article by the Queens car accident attorney clarifies that New York is indeed a no-fault state. This means that after a car accident, each party's own insurance company is responsible for covering medical costs and lost wages, regardless of who caused the crash. The system is designed to deliver quicker financial support to those injured, reducing the need for legal disputes over fault in minor incidents.

Keetick L. Sanchez, a Queens car accident attorney, writes, "No-fault insurance is a system designed to help, but without a clear understanding, it can be challenging to navigate." Through the article, Sanchez aims to provide helpful insight for drivers, passengers, pedestrians, and cyclists who may be unsure of their rights after an accident in New York.

Under New York's no-fault insurance framework, Personal Injury Protection (PIP) coverage is required. This policy ensures up to $50,000 in basic coverage for medical care, lost earnings, and certain additional expenses. The article emphasizes that these benefits are available to the insured driver, household members, passengers in the vehicle, and even pedestrians or cyclists injured by the vehicle.

K L Sanchez Law Office, P.C. also outlines what no-fault insurance does not cover. Non-economic damages such as pain and suffering are not included. Those pursuing compensation for serious injuries beyond the scope of no-fault must meet the state's "serious injury" threshold, which includes conditions such as fractures, permanent limitations, and significant disfigurement.

Another important point made by the article is the strict timeline for filing a no-fault claim. The insured must file their application within 30 days of the accident. Medical providers are required to submit bills within 45 days of treatment, and proof of lost wages should be sent within 90 days. Missing these deadlines could result in a denial of benefits.

Sanchez explains that many people may be surprised to learn that car damage itself isn't covered under no-fault. While medical expenses and lost income are typically handled by the driver's own insurance, property damage claims can still involve the at-fault party's liability insurance. That makes understanding the full scope of coverage essential to avoiding unexpected out-of-pocket expenses.

The article also details which individuals are excluded from no-fault benefits in New York. Motorcyclists and their passengers are not eligible under the standard no-fault system. Neither are individuals injured while committing a crime or driving under the influence. In addition, injuries that occur during the course of employment may fall under workers' compensation instead of no-fault.

For those who meet the criteria to step outside the no-fault system, Sanchez notes that a personal injury lawsuit may be necessary to secure full compensation. Injuries such as dismemberment, loss of a fetus, or permanent impairments are examples that may allow victims to pursue additional damages through legal action.

Understanding this framework is key to making informed decisions after a crash. K L Sanchez Law Office, P.C. encourages anyone who has been injured in a car accident in New York to take action quickly and get proper legal guidance.

Managing the aftermath of an accident can be overwhelming. With timely steps and proper documentation, individuals may secure much-needed financial relief under the no-fault system. However, in more serious cases, additional legal action may be required to recover all eligible damages.

Keetick L. Sanchez and the team at K L Sanchez Law Office, P.C. can guide New York residents through this complex process. As stated in the article, "Our team can clarify the complex aspects of your insurance policy, help you file a claim correctly, negotiate with insurance companies, and stand up for your legal rights."

The no-fault system in New York is designed to streamline accident recovery, but it is not without its limitations. Drivers should be familiar with what their policies cover, when to file claims, and when they may have the right to seek further compensation.

About K L Sanchez Law Office, P.C.:

K L Sanchez Law Office, P.C. is a legal practice serving clients in Queens and throughout New York. Led by attorney Keetick L. Sanchez, the firm is dedicated to representing individuals in car accident cases and helping clients understand the no-fault insurance system. With a commitment to providing straightforward legal support, the firm assists clients from the moment of their accident through the resolution of their claims.

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