Personal Injury Protection (“PIP”) coverage is mandatory in New York for every auto insurance policy. PIP is also known as no-fault insurance claim and can be filed regardless of whether or not you were responsible.
People sometimes hesitate to file No Fault claims for fear that their insurance company will raise their rates or terminate their policy. This is not the case at all. It is illegal for insurance companies to raise rates or terminate coverage based on a claim. Furthermore, the at-fault driver’s insurance company usually reimburses your insurance company for any medical bills paid under your PIP coverage.
What does No Fault pay for?
This type of insurance covers a variety of expenses for you if you are injured in a car accident. It will also cover any passengers in your vehicle who have sustained injuries.
- Hospital bills
- Medical bills
- Physical therapy
- Chiropractic care
- Out-of-pocket prescription costs
- Lost wages
If you have been hurt and your No Fault claims are denied, a personal injury attorney can help you understand all of your options. If you’ve recently been involved in an automobile accident, you should discuss your case with an experienced car accident attorney in New York. Doing so could ensure a more favorable outcome.