There are just 12 states in the nation, in addition to the District of Columbia, with no-fault insurance systems. New York's no-fault insurance laws mean that a driver must turn to his or her insurance policy for coverage of medical costs after a motor vehicle accident, even if the other driver was at fault in causing the accident. All drivers in New York are required to carry liability insurance, and all policies must include uninsured motorist coverage.

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Why You Should Hire Us

Whether you were the driver or passenger of the vehicle involved in the accident, you can pursue a claim by filing with the insurance company that covers that car. If you were a pedestrian and a car struck you, file your claim with the insurance company that covers that vehicle. In the event of a pedestrian accident involving a hit and run or an uninsured vehicle, you will need to file with an insurance company that covers a household family member, or, if there are no insured members of your household, with the Motor Vehicle Accident Indemnification Corporation (MVAIC).

Injured and in need of serious compensation for your damages? Call our New York City car accident lawyers for counsel today.

Am I Entitled to Pursue a Personal Injury Lawsuit?

For property damages, you are always entitled to a claim. In the event of an injury, you will need to prove that you qualify under the "serious injury" restrictions in New York, found in Section 5102(d) of the New York Insurance Law.

You could be able to pursue a claim against the driver at fault if you suffered any of the following:

  • Substantially full disability for a minimum of 90 days
  • Permanent limitation of use of organ or member
  • Significant limitation of use of body function or system
  • Bone fracture
  • Significant disfigurement

How Does No-Fault Insurance Work in NY? Visit our blog to learn more.


Call Lurie, Ilchert, MacDonnell & Ryan LLP at (646) 461-4009 today to schedule a free consultation and learn more from our New York City personal injury attorney.