New Jersey and New York are unique. They are among the few states that use a system called “no-fault insurance.” This means that when you are injured in most types of vehicle accidents in these states, your own insurance company covers most or all of the medical costs. This applies even in cases of truck accidents as long as you are in a car or are a pedestrian at the time of the accident. Truck drivers usually are not covered by no-fault insurance.
While no-fault insurance allows you to recover medical expenses from your own insurer, it often limits lawsuits in the case of a car accident. Fortunately, these limits do not apply in truck accident cases. Exceptions for commercial vehicles mean that if you are injured by a truck, you will be able to sue for any injury. You may also be able to recover damage awards to compensate you for your pain and suffering.
The laws of no-fault insurance can be extremely complicated. There are cases when you can recover from another driver or from a trucking company. An experienced lawyer like those at the firm of Davis, Saperstein & Salomon, P.C, will be able to tell you how the law applies in your case. Contact us today at 1-800-LAW-2000 or submit our online form to learn more.
Will No-Fault Insurance Cover Your Medical Bills?
There are many factors that determine whether no-fault insurance covers your medical bills.
A lawyer from our firm will need to figure out many facts such as:
- Who owns the car you were in?
- What state did the accident occur in?
- What states are the drivers and cars from?
- Is the vehicle that hit you considered commercial?
- Were you a pedestrian?
- Do you own a car?
- Do you have insurance? If so, what are the specific terms of your policy?
- Does someone in your family have insurance?
- What are the costs of your medical treatment?
- Are you considered an employee and thus eligible for workers’ compensation coverage?
As you can see, an insurance scheme this complex is best navigated by someone with experience.
Our Lawyers Handle No-Fault Insurance Accident Cases
The lawyers at Davis, Saperstein & Salomon, P.C., know how to deal with insurance companies to seek the greatest possible recovery allowed by the law. We serve clients in New York and New Jersey. Call us now at 1-800-LAW-2000 or use our online form to schedule a free initial consultation.