Understanding The Mechanism Of No-Fault Laws In New York

The no-fault laws in New York, which began in the 1970s, were enacted to ensure that the insurance companies, irrespective of finding out who is responsible, would pay for medical expenses that occurred due to vehicle crashes, incidental costs, and lost earnings. This law applies to all those victims (both the passengers and the drivers) involved in the car crash. Thus, with the no-fault law, one can get the potential benefits of receiving substantial compensation. However, taking the help of a no-fault defense law firm in NYC can generate the process faster and efficiently.


To get a no-fault defense law compensation, the state of New York asks every person to register their motor vehicles under liability insurance. The minimum coverage of the liability insurance under different conditions are listed down below:

  1. For bodily injury – $25000/$50000
  2. For death – $50000-$100000
  3. For property damage – $10000

The bodily injury mentioned above is different from the no-fault law cases as they belong to straight personal injury law. In a bodily injury claim, compensation is provided for non-economic damages like pain, suffering, emotional loss, etc. This is further applied in case of accidental death, and the coverage is offered to the family of the bereaved. As the benefits of the no-fault law in New York, one can pay the medical bills, transportation cost to medical providers, prescription costs, household services, and the wages that one is losing on for being unable to work due to the injuries.

For additional information on the requirements for insurance coverage, one can discuss with the efficient and skilled lawyers of the no-fault defense law firm in NYC.

Qualifications for no-fault law coverage

To get the no-fault coverage under the guidance of a no-fault defense law firm in NYC, one has to qualify for the following:

  1. The accident should occur in New York.
  2. The car hampered due to the accident has to be insured by an insurance company licensed in New York.
  3. The affected vehicle should not be a scooter, motorbike, or bicycle.

According to the no-fault defense laws, it does not matter who is responsible for the accident as the insurance companies have a settlement between themselves. However, to enjoy the benefits incurred by the no-fault laws, one has to apply within 30 days from the day of the accident.

How to apply for no-fault insurance claims?

As per the no-fault law regulations in New York, a written claim has to be submitted within 30 days of the accident. Also, the written claim has to be filed with the insurance company where the car is covered. Although no extra time is provided, the insurance company may consider it if a claimant can provide a reasonable justification in written format.

In the written claim, the details of the accident (date and time of the accident, type of vehicle affected, number of people injured, individual details of each person involved, etc.) have to be provided comprehensively.


To learn more about the no-fault laws and enjoy their benefits, one can consult with a no-fault defense law firm in New York.

Manolo Hilton
the authorManolo Hilton