Whenever an accident occurs, one of the first things to come to mind is how exactly it happened and whose fault it is. Sometimes it is the person or organization where the injury occurred, other times you may be a no-fault. However, complications may arise that result in a “no-fault” case, or otherwise known as personal injury protection insurance (PIP). Often common in the auto world, should an accident directly involving you occur, you can rest easy knowing that there will be no loss of income or other drastic medical costs with PIP. No matter who is directly responsible for the accident, you will not face any major financial burdens. That is what sets no-fault insurance apart from others; you are protected from not just heavy finance blows, but blame and being liable should the accident actually be your fault.
At New York Injury Associates, no fault doctors in Patchogue we can definitely help with any sort of no-fault claims that you make; ensuring there are as many benefits as possible for you.
What Else to Know About No-Fault Insurance
No-fault insurance is mandatory in eighteen states, primarily associated with auto insurance in replacement of liability coverage. This is tied to a vehicle’s insurance policy, as the situation may not align nicely with the policy assigned to you. Therefore, it is important that you understand the terms of your policy before any claims are filed.
It is important to note that every state has variations of no-fault insurance, as in New York you must notify your own, no-fault insurer, not the at-fault’s insurance provider. In the claim, you should make clear the time, place, and cause of the accident; as well as the vehicle that struck you. If the vehicle impacted you while you were outside of your own vehicle, as a pedestrian, you file a claim with the insurer of the vehicle that struck you. This all must be reported and documented as soon as possible, though the deadline is within the timeframe of thirty days. Should you file a claim late, you will have to give reason as to why that is so.
While a claim is definitely made on the at-fault’s insurance company, both the entity at-fault and you will be exempt from any financial blows.
One Major Detail About No-Fault Insurance
Depending on the height of your medical bills that would usually have to be paid by your insurer, you have the opportunity to file a traditional liability claim should you be absolutely certain that you are not at-fault. This is also the case depending on the severity of your injury, as the more severe your injury (or injuries) is the more likely you can have the liberty to be exempt from no-fault insurance. Also, your no-fault insurance, whether it be auto-related or medical-related, does not apply to theft, as theft is tied to another, more traditional insurance policy. New York Injury Associates, no fault doctors in Patchogue can answer any questions you may have.
What No-Fault Insurance Actually Covers
The range of what no-fault insurance covers is relatively restrictive, though it applies to drastically important aspects of the life of any individual. No-fault insurance covers:
No-Fault Insurance Example
If your injury resulted in several broken bones due to a car accident in New York, and if the other driver involved is clearly at-fault; you have the right to file a traditional liability claim against the other driver involved. However, if the injury resulted in a nasty bruise to the head and some dizziness, with no broken bones, no heavy costs, and the other driver is still to blame; then no-fault insurance would be in effect should you choose to file a claim as soon as possible.
Contact Us Today
New York Injury Associates, no fault doctors in Patchogue can help with any questions or issues that arise about no-fault insurance that stemmed from a recent accident, as we are always here to do our best for you. Contact us today, we have numerous locations across Long Island and Queens.