New York No-Fault Car Insurance Attorneys
If you or a loved one has been in a car accident, you know that the financial impact is immediate. There are medical bills that need to be paid. Missed work means missed wages, which means difficulty covering the day-to-day costs of living. You need help with these costs right away. You cannot wait for a lawsuit to be filed. That is what no-fault insurance is for.
At Kammholz Messina, LLP, our attorneys have decades of experience handling car accidents. We understand the various insurances that are relevant and how they work together. We know that you need help right away. That is what we are here for.
How No Fault Insurance Works
In any car accident case, there may be numerous different insurances that are relevant. In the end, the negligent driver's insurance will be critical. At the beginning, however, no-fault insurance is extremely important. No fault is your own insurance. Every car on the road has to have an insurance policy that will pay medical bills and lost wages for people in the car, regardless of who was at fault.
There may be a limit on the amount no-fault insurance will cover. The minimum is $50,000. You may have more, depending on your policy. Our lawyers' goal is to get coverage from the other insurances involved before that amount runs out.
Medical Bills and Lost Wages
No fault will cover all medical bills. The insurance company does have the right to send you to their doctor to determine whether the treatment you require is reasonable and necessary. Taking the proper steps, including having your primary care provider refer you to a specialist, may minimize the possibility of the insurance company requiring an independent medical exam.
No fault will cover 80 percent of lost wages. However, this coverage is not taxed, so the take home will be similar to your paycheck. There is a monthly maximum.
Free Consultation — No Fee Unless We Succeed
Call 877-668-4606 or send us an e-mail to schedule a free consultation with an experienced Rochester no fault attorney. We handle cases on a contingency basis, so you pay no attorneys fees unless we are successful in getting you compensation.
