“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), and taxicabs 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. In a timely manner, we will assist you to complete and submit all forms required to be filed with the no-fault insurance carrier. Deadlines may be as short as 30 days from the date of your accident.

How do I get reimbursed under no-fault insurance?

To be reimbursed for travel expenses, household care, prescriptions, and lost earnings, you must mail the required information to your no-fault insurance carrier within 30 days of incurring the charge. You may be reimbursed for travel expenses, medical expenses, household care, prescription drugs, lost earnings, and possibly more. You may be required to submit to a physical examination to get or continue your benefits.

Want to know more? Review our most common asked questions asked after a motor vehicle accident blog post.