New York State imposes mandatory rules on all registered drivers and is a
PIP Insurance Provisions in New York
PIP insurance in New York must have a minimum of $50,000 of personal injury cover together with uninsured motorist insurance. This insurance means that you are covered for up to $50,000 if you have been injured in an auto accident irrespective of who was at fault.
The amount is designed to pay for medical treatment, lost earnings, in-home support, if you cannot perform normal jobs, funeral expenses if you die. It does not pay for pain and suffering or other non-monetary benefits.
If your injuries are so severe that the $50,000 cover is insufficient, you are then free to sue the at-fault driver, assuming that you can prove who this was and that his / her actions caused your severe injuries. Generally, the term ‘serious’ includes permanent injuries and permanent disfigurement.
How a PI Lawyer Can Help if Hit in New York
A personal injury attorney can provide valuable advice before filing a claim, whether you are covered by PIP insurance or not. Don’t forget that PIP does not cover the damage to your vehicle if it was hit by another vehicle.
If another driver was responsible for the accident, then you may be able to make a claim against his /her insurance policy or file a lawsuit. If your injuries are particularly severe and your only recourse is to step outside the no-fault system, you will need an experienced personal injury attorney to provide legal assistance. To have your case looked over by a personal injury lawyer in your area, complete the Free Case Evaluation on this page!
