Content Reviewed By:
John Richmond, Co-Founding Member
- August 9, 2024
Four Things You Should Know About PIP Coverage in New York
You may have heard that drivers in New York are required to purchase personal injury protection (PIP) insurance. Also known as a basic no-fault policy, PIP insurance may cover some or all of your economic losses after a crash. We want to make sure that you understand what this insurance is and how it will affect your car accident injury claim. Here, our Buffalo car accident lawyers provide an overview of PIP coverage claims in Buffalo.
New York Requires Drivers to Carry No-Fault Coverage
New York is a no-fault auto insurance state. Under New York Law, every driver is required to carry no-fault personal injury protection (PIP) coverage. This type of insurance applies regardless of who was to blame for an accident. Even if your accident occurred because of another driver’s negligence, your initial claim for basic economic losses is through your own insurance company.
You Must Notify Your Own Insurance As Soon as Possible After an Accident
Following an accident, you should notify your own no-fault insurance provider as soon as possible. New York has strict notification requirements. Not only are drivers required to inform their insurer of a crash, but they are also required to submit medical bills without delay. A PIP coverage claim must be submitted in Buffalo within 45 days of treatment. If you wait too long to take action, it could undermine your ability to bring a claim.
PIP Insurance Covers Initial Medical Costs and Lost Wages
Personal injury protection insurance is designed to pay promptly after a crash. Generally speaking, PIP insurance covers treatment for reasonable and necessary medical expenses, payment for lost wages, and reimbursement for certain other economic damages. Unfortunately, personal injury protection benefits can be exhausted relatively quickly. No-fault insurance coverage is often inadequate for a serious accident.
You Can Step Outside the No-Fault System After a Serious Accident
In New York, injured victims can step outside of the state’s no-fault system and file a personal injury lawsuit against a negligent driver (or other defendant) if they suffered a serious injury in an accident. Through a car accident lawsuit, you can seek compensation beyond PIP benefits in Buffalo, including for your pain and suffering.
New York Insurance Law Section 5102(d) defines nine categories of “serious injuries”. The most important thing to know is that you can file a car accident injury lawsuit if you suffered a permanent injury/disability or if you satisfy New York’s 90/180 day rule. If your car accident injuries prevented you from normal daily activities for at least 90 out of the 180 days immediately following the crash, you can go outside of the no-fault system.
Speak with an Attorney About Buffalo PIP Coverage Claims
At Richmond Vona, LLC, our attorneys are experienced, results-focused, advocates for injured victims. If you have questions about PIP coverage claims in Buffalo, we are here to help. To get a free review of your case, please contact our office now. We handle injury claims throughout Western New York.
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John Richmond and the team at Richmond Vona did an incredible job with my complicated personal injury case. They made sure no stone was unturned and got me the settlement I deserved for my situation. They treat you well, explain everything you need to know and more so you are always in the loop about the status of your case. John was easy to get in touch with anytime during the process and made signing paperwork easy and understandable. Their entire staff is professional and helpful throughout the process These guys are fair, trustworthy, and will stand up for you!
This firm’s attention to detail is second to none. It’s evident that they are true professionals and really care about their injured clients. This is the firm to call if you have been seriously injured due to someone else’s negligence.
