Did you know that one out of every four car accidents are caused by a distracted driver? While technological advancements have made our way of life easier, they’ve unfortunately, made our roadways all the more dangerous. Despite the role that distracted drivers play in car crashes, they are far from the only factor. Alcohol impairment, drug use, and engaging in other reckless behaviors such as speeding, tailgating and failing to adhere to local traffic laws play a significant role in car accidents. When an accident happens, it can leave drivers with catastrophic injuries, lost wages and an ongoing medical treatment. Who is going to pay your medical bills? Find out below.
Is New York a “No-Fault” State?
Yes, it is – but what exactly does it mean to be a “no-fault” accident state? Generally speaking, this means that any individual injured in a car accident is able to recover compensation directly from their insurance carrier to help offset the cost of their lost wages resulting from the incident. A driver is able to do this regardless of who is at-fault for the accident. Simply put, the purpose of “no-fault” coverage is to ensure that those who are injured in an accident can get the medical treatment they need.
New York residents are required to have the following minimum insurance coverage amounts:
- $10,000 for property damage per crash
- $25,000/$50,000 for bodily injury per person
- $50,000/$100,000 for coverage if someone dies in the accident
Can I Recover Compensation for a “Serious Injury?”
In order to move outside of the “no-fault” coverage and recover compensation via a personal injury lawsuit, your injuries would need to be considered “serious” under the threshold set by New York law. As such, a “serious injury” can be any of the following:
- A bone fracture
- Significant limitation of use or a bodily function
- Permanent limitation of use of an organ
- Severe disfigurement
- A full disability for 90 days
If your injuries fall under these criteria, then you’ll be able to file a claim against the at-fault driver. With a personal injury claim, you will be able to recover compensation not only for medical bills and lost wages, but pain and suffering, as well. A personal injury claim can help you recover non-economic damages, which are not available under “no-fault” coverage.
This area of the law is complex and is best handled by an experienced attorney who has your best interests at heart. At Proner & Proner, we have a successful track record of recovering millions of dollars for individuals who have been injured in a car accident through no fault of their own. Our firm understands that a car accident is more than a simple nuisance; the consequences of a car accident can leave you with severe physical, emotional and financial suffering. Our firm is ready to take your call.
Contact A New York City Personal Injury Lawyer To Discuss Your Accident Case In New York
Did you or a loved one sustain serious injuries due to an accident in New York? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. Proner & Proner represents clients injured because of personal injuries in Queens, the Bronx, Manhattan, Brooklyn, and throughout New York. Call 212-500-1003 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 60 E. 42nd Street, Suite 1503 in New York, NY 10165 as well as offices in Queens, Brooklyn, the Bronx, and Bethel, Connecticut.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.