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Motor Vehicle Accidents FAQ

Motor Vehicle Accidents | FAQ


What should you do immediately after an accident?
What does No-Fault mean?
Who pays for medical expenses incurred as a result of injuries sustained in a motor vehicle accident?
What if the vehicle that I was in did not have insurance?

 

What should you do immediately after an accident?

Call the police. Have the police take your statement. Do not leave the scene of the accident.
If possible, take out your phone to take pictures and/or videos of the incident.
Once the police arrive, if you feel any pain, seek medical attention. They will call an ambulance.


What does No-Fault mean?

No-Fault is the concept that regardless of whose fault the accident is, the insurance carrier will pay for all necessary medical expenses you incur as a result of your injury (hospitalization, physical therapy, etc.). it will also pay for out of pocket expenses as well as lost wages if you are forced to be out of work due to injuries. However, as a result of New York being a “no-fault” state, you must suffer a “serious injury” before you can be compensation for pain and suffering.


Who pays for medical expenses incurred as a result of injuries sustained in a motor vehicle accident?

The No-Fault insurance Company will pay for medical expenses up to $50,000.00. If you were the operator of the vehicle or a passenger in the vehicle, the vehicle in which you were in will pay for the expenses.


What if the vehicle that I was in did not have insurance?

If a motor vehicle in which you were operating or a passenger in did not have applicable insurance, the Motor Vehicle Accident Indemnification (“MVAIC”) covers certain benefits. You must file the claim timely. MVAIC is a non-profit organization created by the New York State Legislature in 1958 to provide No-Fault and Bodily Injury protection to eligible claimants.