New York Is a No-Fault State, But What Does That Really Mean?

When you’re hurt in a car accident, you might be thinking about the stress and trouble that comes with getting compensation for your injuries. You’re hurt, and now you’re wondering whether you need to file a claim with your insurance company or against the other driver.

You may already know that New York is a no-fault state for insurance purposes, but what does that really mean? How much compensation should you receive as a resident of a no-fault state? Fortunately, being in a no-fault state means you may have more legal options for your claim.

Your Insurance Should Cover the Crash

Unlike fault states, New York has mandatory coverage for all drivers registered in the state that covers your expenses, no matter who was at fault for the wreck. Because of this, no parties have to deal with the complex legal process of filing an injury claim in court. Instead, you can file with your own insurance company to obtain the compensation you need.

A typical car accident might leave you with some injuries and expensive car repairs, which will need to be covered. However, getting that settlement should be simple. You’ll file a claim that states you were involved in a car accident. After that, the insurance company should investigate and determine what your damages are worth.

Once they’ve determined the details of your claim, they should send you a letter with a settlement offer for your suffering. No matter whether you were responsible for the accident, you should receive a settlement to help you recover.

No-Fault Insurance Has Limits

However, no-fault insurance won’t always cover the full extent your injuries. You might need to seek compensation in court if your injuries surpass a certain amount, known as the serious injury threshold. Although injuries less than $50,000 are typically covered, a serious injury such as the complete loss of use of a body part might require more funds than the insurance company’s policy limits can handle.

This threshold also gives you the chance to include all the non-economic damages you’ve suffered. For example, your traumatic brain injury may have already been financially costly, but your suffering doesn’t end there. You’ve also lost the ability to perform simple tasks as you once did, and you might be dealing with severe emotional trauma, too.

All of these non-financial losses should be compensated, as well, and a lawyer experienced in no-fault claims can help.

Get Your Full Compensation in NYC

New York’s status as a no-fault state can be helpful and efficient, but understanding how these laws can help or hurt you is crucial. A lawyer from Greenstein & Milbauer, LLP can help you pursue the type of claim that makes sense for your case, and then negotiate with the insurance company or fight for your compensation in court.

So, you might know that New York is a no-fault state, but what does that really mean? If you’re struggling to understand your no-fault insurance, or you believe that your injuries are severe enough to seek compensation outside of the no-fault insurance system, contact our attorneys for help. We have years of experience helping injury victims secure the compensation they deserve.

When you’re ready to begin, scheduling your no-obligation consultation is easy. Call 1-800-VICTIM2 (842-8462) or fill out the online form below.

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Broken Bone in a Car Accident: Am I Eligible for Compensation?

After a serious car accident, your injuries could make it difficult to recover and get back to your normal life. You may struggle to deal with the pain and medical attention you’ll need for injuries like bone fractures. Worse, you may not be sure that your case is worth much.

Many people have one big question after suffering a broken bone in a car accident: Am I eligible for compensation? Fortunately, you may have a chance to fully recover and get the compensation you deserve.

The Serious Injury Threshold

In most cases, you should be eligible to file a claim with your insurance company for a settlement after an auto accident. New York is a no-fault state, which means that you’ll receive a settlement for your bone injuries even if you were partly or mostly at fault.

However, there’s a threshold for serious injuries. If you suffered through a car wreck worth more than $50,000, or if you or a loved one suffered death, disfigurement, or another major injury, you may need to fight for your claim in court. Your insurance company may not cover the full amount of economic and non-economic damages you deserve.

Broken bones are counted as serious injuries in New York, and fortunately, that can give you an advantage. You want the full compensation you deserve for your bone injury, and you may be eligible for more compensation in court than your insurance settlement will cover.

Eligibility for Bone Fracture Damages

When you’ve suffered a broken bone, you’ve suffered a complex and painful injury. These injuries may be worth a significant amount, so you’ll need to seek compensation that covers all the damages you deserve. Fortunately, your New York attorney can help you seek the economic and non-economic damages you deserve.

First, bone fractures aren’t cheap to repair. At best, you’ll need a cast or similar protection, and in certain situations, you may need physical therapy to strengthen the muscles after the bone is healed. For more serious fractures, you may need surgery to place pins or nails that will reset the bone, which can be expensive.

Consider the non-economic costs of your injuries, as well. Bone injuries can be especially painful, and if milder pains can affect our mood and interactions, the constant pain of an injury can be even more difficult to deal with. You’ll also be facing the emotional trauma of a car crash, not just the injury. However, because these injuries are intangible, you’ll need to contact a lawyer for help calculating these kinds of damages.

Call a Lawyer about Car Crash Compensation

Suffering a major injury in an auto wreck often means you’re entitled to compensation, but you may not know where to start. If you’ve suffered a broken bone in a car accident, you may be worried about whether you’re eligible for compensation.

If you’ve suffered a serious injury, especially a bone fracture, contact the lawyers at Greenstein & Milbauer, LLP. We understand how important your compensation is to your recovery, and we’ll help you fight for it.

If you’re ready to go after full compensation for your bone injury, start now with a free consult offered by our attorneys. Give us a call at 1-800-VICTIM2 (842-8462) or complete the online form below to begin.

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