Recovering Lost Wages And Medical Expenses

No-Fault Car Insurance Coverage Is Important To Your Recovery

Your medical bills will begin to pile up, if they have not already. Lost income resulting from inability to work after a car accident will begin to seriously affect your finances. Daily living expenses and bills will put you in financial straits quickly if you do not get help to cover these costs right away.

You cannot wait for a lawsuit to be filed. That is why you have No-Fault insurance, also known as personal injury protection (PIP) insurance. A No-Fault claim will not raise your insurance premium rate, but it must be filed within 30 days of your accident.

There is a limit on the amount of damages No-Fault insurance will cover. The required minimum No-Fault insurance coverage is $50,000. Most people carry the minimum, but you may have more on your policy, and this would increase your coverage limit. Our goal is to get you additional coverage from the other insurances available before your No-Fault coverage amount runs out.

At Kammholz Law PLLC, our attorneys bring over 35 years of combined legal experience, trial savvy and investigative diligence to your case. We understand the various types of insurance that are relevant in your unique case and how they may work together to maximize your claim. We are here to help you recover as quickly and completely as possible.

How No-Fault Insurance Works

There may be numerous insurance policies that are relevant to your claim. In the end, the negligent driver's insurance will be critical, but your own No-Fault insurance is extremely important for recovering lost wages and medical costs in the beginning.

Every driver 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.

  • No-Fault insurance will cover all medical bills.
    • The insurance company has the right to send you to a doctor of its choice 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.
    • Always be sure to provide any doctor or health care provider with your No-Fault insurance claim number.
  • No-Fault insurance will cover 80 percent of lost wages.
    • This coverage is not taxed, so your take-home pay shouldn't change much. However, the monthly maximum is usually $2,000 for up to three years from the date of your accident.
    • All other reasonable and necessary expenses (e.g., transportation costs and household help), up to $25 per day for one year from the date of your accident will also be covered.

It is important to document costs for reimbursement each day. We will help you determine whether you should sue the at-fault driver for additional compensation to recover from serious injuries and property damage, such as vehicle repairs.

If you were on a motorcycle (driver or passenger), No-Fault insurance usually does not apply. Usually, you need to use your private medical insurance and sue the at-fault party for damage compensation, but you may have No-Fault coverage that you purchased previously.

No-Fault insurance coverage is very helpful and does protect all pedestrians injured by motor vehicles in New York.

Please call our team in Rochester to schedule a free consultation with an experienced lawyer. We will help you determine the best possible course of action with your claim. We are available at 585-687-4425 and by email. We look forward to speaking with you soon.