New York Laws

• Car insurance in the state of New York is mandatory in all states and is required at the time of registering your vehicle at the Department of Motor Vehicles. The minimum liability coverage in New York is $25,000 for injury or death of one person and $50,000 for injury or death of more than one person. The minimum property damage coverage is $10,000.

• The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 3 years of the car accident, and a property damage claim within 3 years.

• New York is a No-Fault state. Under no-fault auto insurance laws, if you are a car accident victim, you do not have to prove that the crash was somebody else’s fault before getting your money. Your insurance picks up all the bills. In this scenario, the victim cannot sue the other driver.

• In order to obtain no fault benefits, which allow the insurance company to pay for your medical treatment up to $50,000, you must file an NF2 (No Fault application) within 30 days of the accident.

• No fault insurance also pays lost wages up to $2,000.00 per month, as well as certain incidental expenses including transportation to a doctor’s office.

• Being a no-fault state, it is easier in New York to get your bills covered, but it is harder to recover damages for pain and suffering since you are unable to sue the other parties involved in the accident. In order for there to be a recovery for pain and suffering, the injury sustained has to qualify as a serious injury as defined by the no-fault law. If the injuries don’t qualify as a serious injury, then the lawsuit will get dismissed.

• Under New York State law, a serious injury can be defined as any of the following:

• Death

• Dismemberment

• Loss of limb(s)

• Disfigurement and scarring

• Bone fracture

• Loss of a fetus

• Permanent limitation of body organ or member use

• Permanent loss of body organ or member use

• In New York, wrongful death lawsuits allow grieving family members to recover compensation for such elements as:

  • Loss of income and earnings

  • Loss of household services

  • Emotional pain and suffering

  • Medical expenses related to the accident

  • Funeral expenses

If you have lost a loved one due to someone else's negligence, you may face significant financial hardship in addition to emotional pain and suffering. Filing a wrongful death lawsuit can ensure that you and your family have the financial resources you need to make it through this difficult time and have a stable future. Let IIHC get you the help you need to receive compensation. At no cost to you, we will refer you to an experienced New York attorney who will be there to represent you and act on your behalf.

 

IIHC will refer you to a lawyer who will help you get your insurance claim money in a timely manner throughout New York cities and counties, including all five boroughs of New York (Manhattan, Staten Island, Queens, Brooklyn, and the Bronx), and in New York County, Kings County, Richmond County, Suffolk County, Nassau County, Westchester County, Rockland County, and the surrounding areas of the State of New York.

 

 

Related Topics:

• New York Laws

• Process of Filing an New York Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• New York Car Accident Facts