No-Fault insurance, 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), taxis to medical appointments, and pays a portion of your lost wages, no matter who caused the accident. Your injury must be caused by a motor vehicle accident although you may be a pedestrian or bicycle rider when hurt. Most people involved in an automobile accident in New York State, even pedestrians, can get No-Fault benefits. If you are hurt in an automobile accident, you should get the benefits, which do not compensate you for pain and suffering, just for economic loss. (However, if you were working at the time of the accident, you may be eligible for Workers' Compensation.) No-Fault benefits do not last indefinitely and there are procedures for your insurance company to cancel the benefits.
Additionally, there are certain forms that must be filed with the No-Fault insurance carrier immediately as short time deadlines apply which could jeopardize your claim for No-Fault benefits. These deadlines can be as short as thirty days from the date of your accident. If you are injured in a car accident, you should quickly contact an experienced personal injury attorney.