Serving Injured Clients Throughout Western New York
Personal Injury Protection Guide When the unexpected happens, expect Richmond Vona.

Your Guide to Personal Injury Protection (Pip) Coverage and Car Accidents

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 personal injury protection insurance in New York.

Four Things You Should Know About PIP Coverage in New York

  • 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 claim must be submitted 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, 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.

Schedule a Free Car Accident Injury Consultation Today

At Richmond Vona, LLC, our Buffalo car accident lawyers are experienced, results-focused advocates for injured victims. If you have questions about personal injury protection (PIP) coverage, we are here to help. To get a free review of your case, please contact our Buffalo law office now. We handle auto accident injury claims throughout Western New York.


Successful Verdicts & Settlements That Our Attorneys Have Achieved
  • Trucking Accident $4.25 Million Settlement
  • Mesothelioma from Asbestos Exposure $3.2 Million Settlement
  • Mesothelioma from Asbestos Exposure $2.5 Million Jury Verdict
  • Mesothelioma from Asbestos Exposure $2 Million Jury Verdict
  • Mesothelioma From Asbestos Exposure $1.6 Million Settlement
  • Medical Malpractice: Anesthesia Error $1.2 Million Settlement
  • Medical Malpractice: Delayed Diagnosis $1.2 Million Jury Verdict
  • Mesothelioma from Asbestos Exposure Seven-Figure Settlement

When the unexpected happens, expect Richmond Vona.

Real People, Real Stories
  • “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.”

    - Jason D.
  • “He is a miracle worker. He found someone who knew my Dad who had passed away over 50 years ago. No easy feat. He works very, very hard for his clients. Knowledgeable and kind. I highly recommend him.”

    - Colette M.
  • “To this day, I am grateful for the dedication and compassion he displayed throughout my case. The outcome of my case was successful as a result of his drive and commitment.”

    - Sue A.
  • “Keith and John are talented attorneys and, more importantly, compassionate and dedicated people. They are driven by a desire to help, and they always fight for their clients.”

    - Michael J.
  • “They listened to my concerns and gave me excellent advice and made me feel like they cared about my injury and not just my case. These guys are true class acts. Two thumbs up.”

    - Derek G.


You Can Always Expect:
  • A Results-Oriented Focus

    Our legal team is prepared to do whatever is necessary to get you the full and fair financial compensation that you deserve.

  • Care, Compassion and Respect

    After all you’ve been through, you deserve someone to fight for you, while providing the individual attention you deserve.

  • Open and Honest Communication

    We value communication and honesty, and we promise to always keep you informed and up to date about your case.

  • Personalized Legal Representation

    When you entrust your case to our skilled attorneys, you become part of the Richmond Vona family - not just another case file.

Meet Our Attorneys Results-Driven, Client-Focused

With over 25 years of combined personal injury experience, our co-founding attorneys, John E. Richmond and Keith R. Vona, have helped injury victims and their family members recover more than $150 million in financial relief.

Awards & Achievements

  • Martindale-Hubbell
  • Super Lawyers
    Super Lawyers
  • Veteran-Owned Business
    Veteran-Owned Business
  • Top 100 Civil Plaintiff Trial Lawyers
    Top 100 Civil Plaintiff Trial Lawyers