What Can I Claim In a No-Fault Accident?

car accident therapy in Jamaica

Accidents occur when you least expect them to and can be costly and stressful for all parties involved. The stress, not only in the moment but also in the aftermath, while dealing with any injuries that may have occurred can be very overwhelming. In most states, financial responsibility is placed upon the person who caused the accident to occur. However, twelve states, including New York, require drivers to have no-fault insurance, but exactly what this means can become confusing. If you or a loved one are looking for car accident therapy in Jamaica, New York Injury Associates can help.

What is No-Fault Insurance?

Having no-fault insurance means that if one is injured due to a car accident, their car insurance will cover the costs. This is the biggest difference between a no-fault and a fault-based insurance system. In states that do not have a no-fault policy, you can normally file a claim for compensation against the at-fault driver through their insurance. However, to do this, you need to prove that it was the other person’s fault and not your own to the insurance company, which can be a long, complicated process. No-fault claims are much simpler and are made through provisions of a car insurance policy called “personal injury protection” (PIP). PIP is required, on top of basic liability insurance, by no-fault states to legally drive, however, the rules differ from state to state. If you are located in a state that does not require PIP, you can usually add the coverage to your insurance. The purpose of no-fault insurance is to save time and money while also reducing the likelihood of lawsuits. You also do not need to worry about your claim being denied by the insurance company if they feel there is no proper evidence of it being the other party’s fault. If you require medical assistance after an accident, a PIP payout can help you to pay for any treatment you may need. If you have been involved in an accident and need car accident therapy in Jamaica, contact New York Injury Associates. 

​​Claims You Can Make

A no-fault insurance claim is also frequently called a PIP claim. It covers a wide range of financial burdens that may have occurred due to an accident. The following list includes different claims that can be made under no-fault insurance:

It is important to understand that while you can file a claim for all of the above reasons, you cannot file a claim to get compensation for pain and suffering. Another important detail is that no-fault benefits apply to anyone inside the insured vehicle at the time of the accident and any