If you’ve been injured in a car accident in New York, you may be concerned about your legal options for your financial recovery. For example, you may know you have personal injury protection insurance, but what does that mean in action?
You need to know that all your expenses and losses are covered by your insurance policy. Fortunately, your insurance policy can cover most or even all your expenses. Here’s what to expect when you’re in an accident and you’re working with your insurance company to get a settlement for your injuries after your Bronx car crash.
What Is Personal Injury Protection?
Personal injury protection, or PIP, insurance awards drivers compensation after an accident, no matter who’s at fault. That cuts down on lengthy claims and lawsuits, and it makes it easier for the injured to recover compensation.
For example, let’s say you’re hit by another driver. In a fault state, your lawyer would need to help you seek compensation from the at-fault party. In New York, your Bronx car accident attorney can instead help you ensure you’re getting a fair settlement offer, which can be a much shorter process.
This insurance is designed to be as easy and quick as possible for injured drivers. If you have this coverage, it should make it easier than ever to recover.
No-Fault Insurance Coverage
When you’re injured in an accident, you may be worried about how much is really covered. Fortunately, no-fault or PIP insurance should cover many of the expenses you’ve accrued after a car crash, such as:
- Medical fees
- Eighty percent of lost wages
- Reasonable expenses for travel and other necessary costs
However, that doesn’t mean that your no-fault insurance will cover every accident. You may have suffered a serious accident, and your injuries are severe. You may have broken bones, permanent disabilities, or you may have lost a loved one because of the accident.
In these cases, your injuries may be over the serious injury threshold, which is a limit placed on PIP insurance policies. If this happens, your attorney may need to help you seek more compensation from the responsible party in court.
Eligibility for No-Fault Coverage
However, just because you have those benefits doesn’t mean that you’re automatically eligible for a settlement. There are a few situations where circumstances may make you ineligible for no-fault insurance, making it more difficult for you to recover from your injuries and recover the losses you’ve suffered because of your car accident.
For example, if you were injured in a car accident while you were intoxicated, you may not be eligible for no-fault benefits. You may also be ineligible for accidents that happen while committing a felony. If they believe you were endangering the lives of those around you, you may be unable to get compensated.
You also, of course, can’t receive no-fault benefits if you don’t have insurance. These limits can make it difficult for some people to recover from their injuries, so make sure you talk to your lawyer about your options.