What is a No-Fault Insurance Claim?

car accident attorney

A no fault insurance claim, also known as a Personal Injury Protection claim (or PIP claim), is a claim made with your own automobile insurer for payment of medical bills, lost earnings, and other damages incurred after a car accident.

You can pursue a no fault insurance claim against the at fault driver if your medical bills reach a certain level or if you incurred very serious injuries. To step outside the no fault system and bring a claim directly against the at fault driver in New York, you must experience one of the following:

  • significant disfigurement
  • bone fracture
  • permanent limitation of use of body organ or member
  • significant limitation of use of body function or system
  • significantly full disability for 90 days

In a no fault claim, you may be required to give your insurer a recorded statement. You may also be required to attend a medical examination with a physician selected by the insurance company. The state law in a no-fault claim generally requires you to cooperate with your insurer. Failing to cooperate with the process may give grounds for your insurance company to deny the claim.

If you or someone you love has been injured in a car accident, call the experienced and knowledgeable attorneys at Marvin A. Cooper, P.C. Our car accident attorneys have been helping car accident victims for decades and we can help you too. Call 914-357-8911 or email whc@cooper-law.com.

No Comments Yet.

Leave a comment