New York is one of several states with a “no fault law” regulating car accidents and insurance coverage. Buffalo, and all NYS vehicle owners, are mandated to have no-fault insurance coverage. It means car insurance policies pay all or a portion of lost wages and medical bills even if the accident is the fault of the motorist. No-fault car crash claims are usually made through PIP (personal injury protection) provisions included in auto insurance policy.
PIP claims can ensure payment of medical bills, lost wages and various out-of-pocket costs following a car crash. However, no-fault insurance will not allow you to pursue compensation for pain and suffering. You may pursue compensation for pain and suffering against an at-fault driver if medical bills exceed a certain amount or the driver’s injuries rise to the level of a “serious injury.”
In order for Buffalo drivers to breach the serious injury threshold, they must directly bring claims to the at-fault driver and meet the definition of a serious injury under NYS laws.
If you have suffered serious injuries as defined under NYS laws in a Buffalo car accident, contact William Mattar today to schedule an appointment with a Buffalo personal injury attorney who may be able to file a claim against the at-fault driver and obtain adequate compensation for your medical expenses.