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Frequently Asked Question For New York Car And Truck Accidents Victims

The following are Answers to some of the most common Questions our New York Car Accident Lawyers Hear From Car and Truck Accident Victims

Question: I was just in a car or truck accident. Who is going to pay my medical bills?

Answer: If you were injured in a car or truck accident in New York State, then the insurance company that insures the car that you were in, has to provide first party no fault benefits. First party no fault benefits include payment of your hospital and medical expenses.

Question: I was a pedestrian and was hit by a car or truck. Who is going to pay my medical bills?

Answer: If you were hit by a car or truck in New York State, the car or truck that hit you has to pay your medical bills as part of its obligation to provide no fault first party benefits.

Question: I was injured in a car or truck accident and cannot work? What am I entitled to?

Answer: In New York State if you were injured in a car or truck accident and your injuries prevent you from working, the insurance company that is responsible for paying you no fault first party benefits, is also responsible for paying you disability benefits while you are unable to work.

Question: I was injured in a hit and run accident and don’t know who the driver is. Can I get benefits to pay my medical bills and lost wages?

Answer: Yes. If you were injured in a car or truck accident in which there was a hit and run, or if the other driver was uninsured in the State of New York, your own insurance company is required to pay uninsured/unidentified motorist benefits and will also provide no fault benefits.

Question: I was riding a bicycle and was hit by a car or truck. Who is going to pay for my medical bills and lost wages.

Answer: The car or truck that hit you is responsible to provide no fault benefits which includes payment of your medical bills and reimbursement of your lost wages.

Question: I was riding a bicycle and was hit by a car or truck. Can I still have my medical bills paid for and my lost wages reimbursed?

Answer: Yes. New York law requires that your own car insurance policy pay your medical bills and reimburse your lost wages. If you do not own a car, then if someone in your household owns a car, then their insurance company is required to provide the medical and wage benefits to you. If you don’t own a car or truck and no one in your household owns a car or truck then New York has a fund that provides medical and wage benefits. The fund is called Motor Vehicle Accident Indemnification Corporation and is commonly called MVAIC.

Question: What do I have to do to obtain No Fault First Party Benefits following a car or truck accident in New York?

Answer: You need to file a no fault application with the insurance company or MVAIC, as the case may be.

Question: Is there a time limit for applying for No Fault benefits?

Answer: Yes, the time limit to apply for medical and wage benefits following a car or truck accident is 30 days after the accident.

Question: I was a passenger or a pedestrian or a bicyclist. How do I find out which Insurance Company is required to pay my medical bills?

Answer: On the standard New York State Police Accident Report, there is a box for the car insurance code. Each insurance company has a three digit code. The insurance company codes can be found on the New York State Department of Motor Vehicles Website. Usually searching New York DMV Codes on the internet will pull up the appropriate page.

Question: I was a pedestrian or bicyclist in New York, and I was hit by an out of state car. What if they have less insurance or their state doesn’t require them to have no fault insurance.

Answer: Don’t worry. New York has a law called a deemer law. Basically, any insurance company that does business in New York, which is most insurance companies, automatically provide New York’s minimum insurance requirements whenever any vehicle they insure enters New York state lines. So it doesn’t matter what insurance the driver’s home state requires, so long as the car insurance company that insures the car does business in the state of New York they are required to automatically provide New York coverages when they enter New York state.

Question: I live in New York. Where can I get a no fault application? Can an attorney help me prepare the no fault application?

Answer: Our New York car accident lawyer have the no fault application in our New York office and regularly prepare no fault applications for our clients all over Yonkers, Scarsdale, Harrison, Mt. Kisco, New Rochelle, Mt. Vernon, Valhalla, Mt. Pleasant, Briarcliff, Pelham, Port Chester, Rye, Mamaroneck, Dobbs Ferry, Irvington, Sleepy Hollow, Tarrytown and Bronxville.

Question: I am injured in a car or truck accident and live in Brooklyn, Manhattan or the Bronx. Where can I get a no fault application? Can an attorney help me prepare the no fault application?

Answer: From our Manhattan office, our New York City car accident lawyers have the forms on our computer and frequently prepare no fault applications for our injured car accident victims from Brooklyn, Manhattan and the Bronx.

Question: I am injured in a car or truck accident and live in Queens. Where can I get a no fault application? Can an attorney help me prepare the no fault application?

Answer: From our Queens office conveniently located on Queens Boulevard in Forest Hills, our Queens car accident lawyers can prepare no fault applications for our clients in Forest Hills, Elmhurst, Kew Gardens, Woodside, Jackson Heights, Jamaica, Corona and Rego Park.

 
The Law Offices of Michael H. Joseph