Car Crash? Here's How New York No Fault Insurance Works

Описание: Car Accident in New York? Here’s What “No-Fault Insurance” Really Means (and the 30-Day Deadline You Can’t Miss) If you’ve just been in a car crash in New York whether you were the driver, a passenger, or a pedestrian, this video breaks down what New York No-Fault insurance covers, what it doesn’t cover, and why missing one key deadline can create major financial stress.

Jonathan Ratchik (Kramer, Dunleavy & Ratchik) explains how the No-Fault system is designed to pay for:

*Medical bills
*Lost earnings
*Regardless of who caused the crash (that’s the “no-fault” part)

But here’s the catch: No-Fault does NOT pay for pain and suffering.
To pursue compensation for pain and suffering in New York, you generally must meet the legal threshold of a “serious injury” under New York Insurance Law § 5102(d).
In this video, you’ll learn:
What No-Fault insurance is in New York and who it applies to (drivers, passengers, pedestrians)
The 30-day deadline to file an application for No-Fault benefits (and what happens if you miss it)
What “basic economic loss” means (and why many cases stop there)
The difference between medical bills/lost wages vs. pain and suffering
What qualifies as a serious injury (examples include fractures, significant disfigurement, and more)
Why “gray area” injuries often trigger legal battles and how medical documentation matters early
How insurance exams and motions to dismiss can impact your case
Why using private health insurance can sometimes create payback/lien issues depending on your plan

Key takeaway:

Even if the other driver was 100% at fault, you may be limited to No-Fault benefits unless you can prove a serious injury with proper medical evidence.

Need help after a crash?

Call the office: 212-226-6662
Ask about next steps, deadlines, and how to protect your claim.

Disclaimer: This video is for general educational information and is not legal advice. Every case is different.

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