Operating a motor vehicle anywhere in the state of New York can be an adventure. Sometimes, it is a pleasant and soothing experience, but other times you may feel you are participating in a road rally.
Weather conditions and aggressive motorists are two factors that can turn an ordinary drive into a stress-filled nightmare. When the worst happens, and you or your kids suffer injuries in a motor vehicle accident, you need to know your options for obtaining compensation.
A no-fault accident state
New York is one of only a few states with no-fault accident compensation laws. Fortunately, this means you will likely obtain at least some financial restitution for your injuries and property damage if you have auto insurance.
In no-fault states, you must file a claim with your insurance provider to address the injuries suffered in a crash. The no-fault system is meant to ease the way for those harmed in an accident, ensuring that victims obtain compensation to cover medical care and other costs.
A lawsuit is not typically an option
If you want to sue the other driver or file a claim with their insurance provider, the no-fault system limits your right to do so. However, if the accident caused permanent and catastrophic injuries, you may have grounds for an additional insurance claim.
If you do not receive what you deserve from an insurer other than your own, a lawsuit targeting the insurance company might be an option. Consider learning more about New York accident and injury compensation laws to ensure that you receive fair treatment during the claims process.