How Does No-Fault Insurance Work in New York State?

Understanding how no-fault insurance works in New York State can save you time, money, and headaches after an accident. Here’s a breakdown of how the system functions and where Grigorlaw can help.

Step-by-Step Breakdown

1. The Accident Happens Once you’re in an accident, notify your insurer immediately. You have 30 days to file a no-fault claim.

2. File a No-Fault Application (NF-2) This form is required to start your claim. Missing the deadline can lead to a denial.

3. Submit Medical and Wage Documentation Provide records of treatments, diagnostics, prescriptions, and proof of lost income.

4. Insurance Company Review Your insurer evaluates the documents and pays approved claims (typically up to $50,000).

5. Continue Treatment or Pursue a Lawsuit If your injuries are severe, you may need to file a personal injury lawsuit for full compensation.

What is Covered Under No-Fault Insurance?

• Hospital and doctor visits

• Diagnostic tests (X-rays, MRIs)

• Physical therapy and rehab

• Lost wages

• Household help (if medically justified)

What Isn’t Covered?

• Repairs to your car

• Emotional pain and suffering

• Injuries from intentional acts

When You Need a Lawyer

If you experience claim denial, delayed payment, or sustained a serious injury, you should speak with a legal expert.

At Grigor Law Injury & Car Accident Lawyers, we:

• Ensure your no-fault claim is filed properly

• Handle appeals and denials

• Guide you in suing for additional damages when eligible

Take Action Now

The no-fault insurance process in New York is designed for speed, not fairness. We make sure you get both.

Contact Grigor Law Injury & Car Accident Lawyers today to discuss your case and claim your rightful benefits.