Three in 10 Americans will be in an alcohol-related crash, according to the National Highway Traffic Safety Administration. Here’s what you should know if you’re one of them.

No. Every state makes drunk driving a crime. Even a little alcohol can impair a driver. The legal limit in most states, including New York, is a blood-alcohol level of .08. But in a lawsuit, you must prove that the driver’s impairment was a factor in the crash.

Because New York is a no-fault state, your own insurance carrier pays your medical bills, even if somebody else causes the accident. No-fault coverage, which is mandatory, pays for injury-related expenses incurred by anyone hurt in your vehicle or any pedestrian hurt by it.

State law defines a serious injury as one that prevents a person from living normally for at least three of the first six months after an accident. That’s the 90/180 rule.

Through your no-fault coverage, you could receive as much as $2,000 monthly for accident-related medical and rehabilitation expenses and up to $25 daily for non-medical expenses such as household help for your claim.

The clock starts ticking on impact. You have 90 days to file a personal-injury claim and three years to file a personal-injury lawsuit.

An attorney can save you from yourself by making sure you do as your doctor says and don’t sign anything from the insurance company and can save you from others by protecting your rights and advocating for you to receive maximum compensation.

Yes–if, for example, the sober motorist was driving recklessly and the impairment of the driver who had been drinking wasn’t a factor in the collision.

If you accept an insurance company’s settlement offer before reviewing your options with an attorney, you might receive less than you deserve. The lawyers at the Law Offices of William Mattar are not afraid to stand up to the big insurance companies.