Defining “No Fault” & What It Means For Your Case

No Fault is the law in the State of New York. The idea for the law was to limit personal injury claims following an automobile accident. By setting a standard of injuries those who did not meet those standards would be denied making a claim.

All injuries that required treatment following a car accident would be paid by the insurance company that your vehicle was insured by. Loss wages, up to a monetary amount would also be paid by the insurance company of the car the injured party was in.

To get past the legal barrier to sue for injuries resulting from a motor vehicle accident, the injuries verified by a doctor would be loss of a body part, permanent disability, or lost wages extended beyond six months.

All insurance companies have established reviews that seek to deny No Fault coverage. Insurance companies have the right to have a claimant physically examined by a doctor of their selection. This allegedly independent doctor’s report often would conclude the absence of additional medical care.

A claimant has the right to object the findings denying additional medical care. Many Doctors who accept No Fault payments have clerical staff trained to fight against a negative finding. Treating physicians have economic reason to continue treatment.

No Fault payments and findings play a large part in the outcome of law suits brought before the Courts.