What is No-Fault Insurance?

A: “No-Fault” insurance, or “Personal Injury Protection” (PIP) as it may be called outside of New York State, pays your medical bills and part of your lost wages for injuries resulting from a motor vehicle accident, no matter who caused the accident. In certain circumstances No-Fault insurance covers medical and hospital expenses, prescriptions, housekeeping services (if a doctor confirms the necessity), taxi cabs to medical appointments, and pays a portion of your lost wages. Your injury must relate to a motor vehicle accident- although you may be a pedestrian or bicycle rider. Most people involved in an automobile accident in New York State, even pedestrians, are eligible for No-Fault benefits. No-Fault benefits do not last indefinitely, and there are procedures for your insurance company to cancel the benefits. We will assist you to complete and timely submit all forms required to be filed with the No-Fault Insurance carrier. Deadlines may be as short as thirty days from the date of your accident.