New York is a no-fault state, which means that personal injury damages for medical bills, pain and suffering, are paid by your own insurance company, which means regardless of whether you were the driver or a passenger, or even whether you were on the policy or not, the insurance company for the car that you were in has to pay your medical bills and lost wages. A common misconception is that people think that if the other car was at fault they should pay the bills, but that is not how it works in New York. In New York our legislature created a system to make sure injured people get medical treatment, without fighting about who was at fault for the auto accident. Usually, if the other car was at fault, then your insurance company will get reimbursed, but in New York, your car insurance company must pay first. Don't delay filing a no fault application because you are afraid that your insurance rates will go up. If you were not at fault, the rates should not be raised because the insurance company will probably be reimbursed from the other side. Also, remember, not sending in the No Fault application can be the most costly mistake of all because you will lose your right to medical treatment and will get stuck with the medical bills.
To get these benefits, you need to file a no fault application within 30 days of the accident and if you don't file the application, the insurance company will try to deny payment of your medical benefits and lost wages.
Our New York City and White Plains car accident lawyers can prepare your no fault application, the same day you visit us. We make sure your benefits are set up so you can get the medical treatment that you need. If you were a passenger and don't know who the insurance company is, do not worry, our New York car accident lawyers can identify the car insurance company by looking at the police report.