Patchogue No-Fault Accident Lawyer
Accomplished No-Fault Accident Attorneys in Patchogue, NY
At Palermo Law, we have the skill and experience to help you recover the costs associated with any motor vehicle crash in Patchogue – quickly, efficiently, and with a minimum hassle for you. Our Patchogue No-fault accident lawyer can obtain payment for medical bills, lost wages and other out of pocket expenses. We can even get you compensated for the pain and suffering, mental anguish and loss of enjoyment of your life associated with a car collision.
What is No-Fault Insurance?
New York is one of a small number of states that requires vehicle insurance policies to include no-fault cover. This is a provision within the coverage that ensures an individual injured or financially impacted by an accident can claim compensation directly from the insurance provider.
No-fault insurance can be a great benefit in the event that you are injured in Patchogue, as you do not have to wait for a potentially drawn-out process to conclude who was to blame for the collision, and instead, you can start to get the money you need for your recovery.
However, there are strict New York no-fault regulations that need to be followed to make sure that your claim goes through without issue. Many of these rules are related to the timing of your making a claim, and missing a key deadline could mean that you are left responsible for your own medical and other fees.
Palermo Law has experienced and skilled Patchogue no-fault accident lawyers who can take care of the process for you – ensuring that you get the maximum payout for your injuries, as well as take the necessary steps to claim additional compensation where possible.
Even better – we do not charge any upfront fees to retain our services, and we operate on a contingency (no-win, no-fee) basis: you have nothing to lose by hiring our insurance lawyers and could get substantial payments to help with your medical and other losses.
When Is No-Fault Insurance Used?
There are a number of situations where no-fault insurance can be used, including:
- You were the driver or passenger in a motor vehicle collision
- You were a pedestrian, and a vehicle collided with you
- You were riding a bicycle and a vehicle hit you
- You were a passenger on a bus involved in an accident
If you are in any doubt about being able to file a claim for insurance coverage, then reach out to the Palermo Law team today to discuss your situation.
What Does No-Fault Insurance Cover?
The no-fault protection included in all insurance policies covers the first fifty thousand dollars of medical and lost wage expenses incurred due to your crash. Your specific policy may include a provision that increases this amount, which can be invaluable in the event that your injuries and expenses are more serious.
No-fault insurance can be used for:
- Medical treatment resulting from your accident
- Loss of wages due to your accident
- Household assistance while you recover from your accident
- Incidental expenses, including travel to and from medical appointments
No-Fault Insurance Deadlines
In order for you to be eligible to claim benefits through no-fault insurance, you must file an application with the appropriate insurer within thirty days of the collision.
Unfortunately, it can sometimes be difficult to even find out who that insurer is. As a general guide:
- If you were the driver or passenger in a car accident, file a claim with the insurer that covers the vehicle you were in – regardless of who was to blame for the accident
- If you were out walking and a vehicle hit you, then you will need to file a claim with the insurer that covers the vehicle – once again, regardless of who was responsible for the accident
- If you were on a bicycle or scooter, then the process is the same as if you were a pedestrian: you file a claim with the vehicle’s insurer
- If you were on a bus involved in an accident, then you will need to file a claim with your household car insurance company
You may need to file claims with multiple insurance companies – for example, if you have very serious injuries then it would be useful for you to file with both the insurer of the vehicle you were occupying and your household car insurer if the two are different. This is because the primary insurer (the vehicle you were occupying) may have a maximum of $50,000 in coverage, and your injuries may end up costing more. In that situation it is possible that your household car insurance carrier has more benefits available and will pick up any uncompensated medical bills and lost wages.
Do I Need a Patchogue No-Fault Accident Lawyer?
It is possible to file and manage a claim yourself without the expertise offered by a no-fault lawyer. However – these cases can quickly become complicated, particularly in terms of legal jargon, red tape, and seemingly endless paperwork. Filing a claim wrong can result in you being rendered ineligible for no-fault benefits which would be a very costly mistake to make.
Palermo Law can help, and we do not charge you a dollar unless we are able to win your claim. If you have been injured in an accident, take the time to recover without the added stress of filing and chasing your insurance claim – let us handle it for you.
Contact Our Patchogue No-Fault Accident Lawyers
Palermo Law has been offering legal support, advice, and representation to the people of Long Island for almost three decades – and we would love to help you too. We offer a free, no-obligation consultation at any of our seven locations, including right here in Patchogue at:
86 Route 112
You can also call us 24 hours a day, seven days a week. If you are unable to make it to one of our offices, we will be happy to meet you at your home, work, or hospital if necessary. We can also offer you weekend or evening appointments as necessary.