What Kinds Of Compensation Can You Expect After A Car Accident?
New York is a no-fault state when it comes to coverage for injuries caused by motor vehicle accidents. This means your own insurance should pay your medical bills after a crash and other motorists’ insurance should pay theirs.
People whose injuries may be covered by personal injury protection (PIP) include:
- All occupants of an insured car
- Any pedestrians injured by an insured car while it is in operation in New York
Specifically, no-fault personal injury protection (PIP) that is included in auto insurance in New York will pay up to $50,000 per person for economic losses associated with an injury, including:
- Medical expenses
- Lost earning replacement (80% of lost earnings from work, up to a maximum payment of $2,000 per month for up to three years from the date of the accident)
- Other reasonable and necessary expenses, such as transportation to medical appointments, paid at a rate of up to $25 a day, for up to a year from the date of the accident
In addition, a $2,000 death benefit may apply above and beyond the $50,000 limit.
If you suffered serious injuries, you may pursue further compensation from a negligent driver. Serious injuries are defined by New York’s insurance laws as:
- A personal injury that results in death
- Significant disfigurement
- A fracture
- Loss of a fetus
- Permanent loss of use of a body organ, member, function or system
- Permanent consequential limitation of use of a body organ or member
- Significant limitation of use of a body function or system
- A medically determined injury or impairment [that] prevents the injured person from performing [his or her] usual and customary daily activities for [at least] 90 days during the 180 days immediately following the…injury or impairment
Note: The above summaries are general and are intended to be informative, not comprehensive or definitively applicable to your car, truck or motorcycle accident. Discuss your case with an experienced attorney to learn about additional opportunities or exceptions that may pertain to your accidental injury caused by a motor vehicle accident.
Why Work With Our Law Firm?
Phelan, Phelan & Danek LLP is a reputable and established personal injury firm composed of a diverse team of attorneys and professional staff. Our goal is to help injured people recover all compensation they are eligible for. Time and again we marvel at our injured clients’ determination and courage. Each one inspires us to work hard on their behalf as they do their best to overcome injuries and losses.
We have achieved many noteworthy outcomes in hundreds of trials brought before judges and juries throughout New York. We are skilled at alternative dispute resolution (ADR), too.
Several of our lawyers have been AV Preeminent* peer review-rated by Martindale-Hubbell or nominated to be included in the Super Lawyers list.
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