New York is a no-fault insurance state, meaning that after a car accident, each driver’s own insurance covers their medical expenses and lost wages, regardless of who was at fault. While this system is designed to speed up claims and reduce lawsuits, it also has limitations. JT NY Law helps accident victims understand their rights and maximize their compensation. Click here to discover about Personal Injury Attorney Jackson Heights.

Under New York’s no-fault system, all drivers are required to carry Personal Injury Protection (PIP) coverage of at least $50,000 per person. This covers:

Medical expenses (doctor visits, hospital stays, rehabilitation)

Lost wages (up to 80% of lost income, with a cap)

Necessary expenses (transportation to medical appointments, household help)

While no-fault insurance covers these costs, it does not provide compensation for pain and suffering. If an accident results in serious injuries—such as broken bones, significant disfigurement, or permanent disability—victims may file a personal injury lawsuit against the at-fault driver.

Insurance companies often try to minimize payouts by disputing medical claims or blaming pre-existing conditions. JT NY Law ensures clients receive full benefits by handling paperwork, negotiating with insurers, and challenging unfair denials.

New York law requires accident victims to file a no-fault claim within 30 days of the crash. Missing this deadline can result in lost benefits. Additionally, lawsuits for serious injuries must be filed within three years of the accident. Acting quickly is essential to securing compensation.

For accident victims struggling with medical bills, lost income, and insurance disputes, The Law Office of Jason Tenenbaum, P.C. provides experienced legal representation to fight for maximum compensation. If you've been injured in a car accident, consulting JT NY Law can help you understand your options and protect your rights.