No Fault And New York- Car Accident Cases
If you have been injured in an automobile accident in New York State through no fault of your own, the following scenario might be familiar:
You go to the hospital and the doctors tell you that you can’t work. You get a call from your automobile insurance company asking you to fill out paperwork regarding the injury. They tell you that they will pay for your bills, lost time from work and doctor co-pays. You wonder why your own insurance company is paying those bills and not the insurance company of the person that caused the accident. You’re confused about why your insurance adjuster is talking about No-Fault benefits. You might also be wary about the papers they want you to sign.
Here is some clarity:
In New York State, every automobile insurance policy has a $50,000 limit for medical payments through a system called No Fault. Through No-Fault, your automobile insurance company (Geico, State Farm, Allstate, etc.) will pay for your medical bills, reimburse you for doctor co-pays, transportation expenses and for your lost time at work. However, there are some limitations to this coverage.
First, you must fill out a form called an NF-2 within 30 days of your accident and send it to your insurance company. If you fail to fill out this form they may deny you benefits. Second, the insurance company has a right to have you examined by one of their doctors. If their doctor finds that you are not disabled, the insurance company can cut off your No-Fault benefits. Third, you must make sure that your doctor takes No-Fault insurance and fills out the necessary paperwork.
No-Fault insurance can be complicated. That is why you need a skilled attorney to make sure that your insurance company provides you with the proper benefits.