New York No-Fault Law

If you are injured in a motor vehicle accident in New York, the No-Fault Law provides immediate coverage for certain expenses, regardless of who caused the crash. This system ensures that drivers, passengers, and pedestrians can access medical care and wage replacement without waiting for lengthy legal battles over fault.

What Does No-Fault Cover?

Under New York’s No-Fault system, each injured person may receive up to $50,000 in benefits for:

• Medical treatment and hospital bills
• Lost wages if you are unable to work
• Reasonable and necessary expenses related to the accident (up to $25 per day)

Some insurance policies also include Additional Personal Injury Protection (APIP), which can increase available coverage beyond the standard $50,000.

What No-Fault Does Not Cover?

No-Fault benefits are limited and do not cover every type of loss. They do not pay for:

• Vehicle repairs or property damage
• Pain and suffering

Property damage is usually handled under a separate portion of an insurance policy. For pain and suffering, you must meet New York’s definition of a serious injury and bring a claim against the at-fault driver.

Serious Injuries and Additional Claims

While No-Fault helps with immediate costs, it does not fully compensate victims with life-changing injuries. If you suffer a serious injury because of a motor vehicle crash, you may pursue a personal injury lawsuit to recover damages such as pain and suffering, future medical expenses, and long-term financial losses. A skilled auto accident attorney in Albany, NY can explain your options and help determine whether your injuries qualify.

Understanding how New York’s No-Fault Law works is essential after a car accident. The system provides fast access to medical care and wage replacement but also has strict limits. Knowing when No-Fault applies — and when a separate personal injury claim is necessary — can make a significant difference in your recovery.