LaRock & Perez, L.L.P. - InjuryNYC.com - Motor Vehicle Information Center

LaRock & Perez, LLP named 2015 Litigator Award Winner™. Having been conferred this prestigious National Award, the firm ranks among the Top 1% of all lawyers for: Construction Accidents, Pedestrian Accidents and Automobile Accidents Litigation. (full press release)

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No-Fault Insurance

At LaRock & Perez, L.L.P., we provide skilled, experienced legal representation to people throughout New York City who have been injured in motor vehicle accidents.

When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from LaRock & Perez, L.L.P. in New York, New york, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.

How No-Fault Insurance Works

No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver's insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.

The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.

The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.

Personal Injury Protection (PIP)

If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.

Speak with an Attorney

How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from LaRock & Perez, L.L.P. in New York, New york, will help to clear up the confusion these systems can cause.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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	LaRock & Perez, L.L.P. 42 Broadway, Suite 1927 New York, NY 10004 LaRock & Perez, L.L.P. is a personal injury law firm located in New York, NY. We represent clients throughout New York City, including the Bronx, Brooklyn, Queens, Manhattan and Staten Island, and other cities including Long Island and Greenpoint. Our representation extends throughout New York County, Bronx County, Kings County, Richmond County, Nassau County and Suffolk County. Additionally, we represent motorists, pedestrians and others who are injured on highways such as Brooklyn Queens Expressway, Cross Bronx Expressway, Queens Boulevard, Grand Concourse, Atlantic Avenue, Linden Boulevard, Flatbush Avenue, Long Island Expressway, FDR Drive and West Side Highway.