Will A No Fault Accident Affect My Insurance?

no fault doctors in Selden

A no-fault accident simply means that you were not responsible for the accident that took place in any form. Before worrying about your insurance during an accident, it’s obvious that you should check on yourself, passengers, and the other car before proceeding with insurance. If you were in a no-fault accident, your insurance will generally not raise its insurance rates. The driver who was responsible for the accident will be required to pay your medical expenses as well as vehicle repairs. At New York Injury Associates, we value and accept no-fault insurance to help patients make full recoveries. If you are looking for no fault doctors in Selden, we are the place to go to. The specialties that we offer can help you in many different ways when recovering from an injury. If you end up injured in an accident, it is very important to get treated as soon as possible before you’re left with life-lasting effects from the injuries sustained at that time. 

No-Fault Car Accidents

As previously stated, a no-fault accident means that you are not the driver that was responsible for the accident that took place. Even if you’re not the driver responsible for the accident, you still must notify the police and then your insurance about the situation that took place. Depending on what state you are in during the accident, the rules alter. Every state has its own fault determination rules. The 12 “no-fault states” are:

The remaining 38 states in the US are “fault states.” When an accident takes place in a no-fault state, the car insurance that you have will cover the damages that occurred to your car as well as your medical expenses, regardless of who the responsible driver for the accident was. In a fault state, the driver who is responsible for the accident will have their insurance company pay for everything that the other driver needs to pay for. 

Will a No-Fault Accident Raise Insurance Rates?

Typically, a no-fault accident of any nature will not raise your insurance rates. This is because the responsible driver’s insurance company will pay for everything that needs to be paid for. Your rates will not go up as long as your insurance company does not have to give you any money for this claim. If your rates happen to go up after a no-fault accident (meaning you’re responsible for the accident that took place), there are a couple of ways to lower it:

Some insurance rates may increase by around 10% and others may increase by around 2%. It all just depends on what insurance you have. 

Will a No-Fault Accident Appear On My Record?

An accident of any fault will appear on your record. You are required to file a claim to your insurance no matter what accident you get in. That alone will require the accident to be placed on your record. The amount of time an accident spends on your record depends on the type of accident you’re in:

Car insurance claims usually stay on your record for around 3-5 years. There’s no way to remove it from your record as well.

How Can No Fault Doctors In Selden Help You?

If you are involved and injured in any form of accident, New York Injury Associates specializes in many fields that can help you recover. Our team consists of:

With this wide range of professionals that make up the practice that we have, patients should feel very comfortable and confident that our team of professionals can find the perfect solution to help your body heal from all injuries sustained in the accident. We also take no-fault insurance to help patients make full recoveries. There are a few things that patients need to keep in mind. Since we do take this type of insurance, patients must meet specific standards to remain covered. Showing up for every scheduled appointment is required to play an active role in recovering. If your plans consist of filing a lawsuit against the driver who caused the accident, you will need to get expert medical testimony to give yourself a high chance of a successful court case.

Contact Us

At New York Injury Associates, we offer some of the best no fault doctors in Selden that you can find. To schedule an appointment, visit our website or call us at 619-NOFAULT.