${site.data.firmName}${SEMFirmNameAlt}
716-849-3500

X Close

Are there limitations to New York's No-Fault law?

New York is only one of 12 states, as well as Puerto Rico, in the United States that requires insurance companies to utilize a no-fault policy after an insured driver is involved in an accident. This policy states that motorists involved in accidents will first go to their own insurance for coverage, instead of filing with the other driver’s company.

The law is intended to benefit small claims disputes, expediting compensation to the policy holder. However, how air-tight is the no-fault law? Are there limitations to what a policyholder can file for? 

Auto insurers and their defense attorneys frequently face protecting themselves from inflated or fraudulent claims that seek to exceed the limitations of policy coverage under New York’s insurance laws. This post will discuss coverage limits, which plaintiffs often overlook when filing a claim or seeking excessive damages through a lawsuit.

Monetary threshold

Typically, no-fault will pay up to $50,000 for medical expenses or lost wages. These expenses can include bills for hospital expenses, prescriptions, x-rays and other tests, as well as physical therapy. A possible other expense includes payment for the driver’s loss in wages. 

Time threshold 

There are three instances of limitations that are time specific when looking at no-fault coverage.

  • 30-days: An insured driver only has 30 days to submit their claim. Anything past the 30 days can either be denied, or the insurer can request written documentation of why the claim was overdue.
  • 45-days: An injured driver only has 45 days to submit medical bills in order to receive compensation. The 45-day timeline starts on the date of treatment.
  • 90-days: A driver that lost wages due to an accident only has 90 days to file a lost wage claim. After this, an insurance company has the ability to deny coverage for any wages lost.

Insuring a driver involved in a car accident can be costly for insurance companies, especially with the no-fault law in place. However, there are limits to the law.

No Comments

Leave a comment
Comment Information

let us help you

Hagelin Spencer LLC has offices conveniently located in Buffalo, Rochester, Syracuse, and Garden City. While our firm is large enough to have the resources necessary to satisfy even the largest corporate client, our attorneys do not lose sight of the importance of building a strong relationship with everyone we represent.

ofc1 ofc2 ofc3 ofc4 ofc5

Rochester, NY
The Powers Building
16 West Main Street, Suite 700
Rochester, NY 14614

Toll Free: 866-214-2591
Phone: 585-325-9000
Fax: 585-325-9007
Map & Directions

Buffalo, NY
135 Delaware Avenue, Suite 200
Buffalo, NY 14202

Toll Free: 866-214-2591
Phone: 716-849-3500
Fax: 716-849-3501
Map & Directions

Garden City, NY
1225 Franklin Avenue, Suite 325
Garden City, NY 11530

Toll Free: 866-214-2591
Phone: 516-240-8020
Map & Directions

Syracuse, NY
1000 7th North Street, Suite 120
Liverpool, NY 13088

Toll Free: 866-214-2591
Phone: 315-701-5768
Fax: 315-701-5770
Map & Directions

Jersey City, NJ
35 Journal Square, Suite 1030
Jersey City, NJ 07306

Toll Free: 866-214-2591
Phone: 201-653-3500
Fax: 201-653-3599
Map & Directions

REQUEST AN APPOINTMENT »

REQUEST AN APPOINTMENT TODAY

To contact our law firm and discuss your legal concerns with an experienced attorney call 716-849-3500 or complete the contact form to the right.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy