Auto Insurance Coverage in a New York City Accident
Under New York’s no-fault insurance laws, it can be difficult to get compensated for your accident. It is certainly not impossible, but it usually requires the assistance of an experienced attorney who understands both accident law and auto insurance coverage in NYC accidents.
New York state laws require that all drivers have no-fault insurance that covers them in the event of an accident regardless of who is at fault, but the specifics of what it covers can be difficult to understand and most certainly do not address all of the elements involved in a car accident in New York City.
Insurance and Non-Drivers
In a city as busy as New York, pedestrians and cyclists are often the victims of car accidents and find themselves wondering if they are covered by the driver’s auto insurance.
Pedestrians and cyclists can carry insurance if they wish, but they are not required to. When non-drivers are involved in an accident, who is at fault often has to be determined in court. Your no-fault insurance should cover a non-driver’s damages, but insurance companies will typically try to avoid paying as much as they can on claims.
Minimizing the amount of responsibility assigned to you and battling insurance companies in court are not things you’ll want to do on your own. A qualified legal team can handle much of the proceedings for you and let you get back to living your life.
Limits of No-Fault Insurance
No-fault insurance covers the owner of the policy. It was designed this way so immediate expenses would be covered before fault was even determined. In fact, if fault were never determined, no-fault insurance would still cover a driver’s cost of damages and some medical expenses.
It does not cover bodily injury or personal pain and suffering by default; coverage for these expenses must be added to a policy separately. If you wish to seek compensation from the other driver for these items, it will be necessary to file a lawsuit against him or her.
Auto insurance coverage in a NYC accident is something that every driver is required to have before they get behind the wheel of a vehicle. Without it, drivers risk serious financial burden in the event of an accident. As driving without coverage is illegal, a suspended license and heavy fines are also likely to occur.
The state recognizes how difficult it can be to deal with insurance policies and injury claims, so they provide some pertinent forms on their site. Our lawyers can assist you with these, as well as managing the various laws and coverage nuances so that you get the coverage or compensation you need in the end.
Contact an Attorney
Auto insurance coverage in NYC can be complicated and difficult to understand, especially after a car accident. You will likely have to deal with a number of professionals who won’t have your best interests in mind, such as insurance adjusters and opposing attorneys.
If your accident was caused by someone else, the experienced attorneys of Greenstein & Milbauer, LLP may be able to get you the compensation you need to move forward. Contact us online or call 1-800-VICTIM2 (842-8462) as soon as possible to get started.