No-Fault Insurance

How No-Fault Insurance Works:

You have 30 days from the date of your car accident to file a no-fault insurance application form with you insurance carrier and our team of attorneys and support staff will help guide you through this process.

You have 90 days from the date of the car accident to file any claims for lost wages and medical providers have 45 days from the date of service to file any therapy, doctor or other medical service bills.

How We Can Help You:

No-Fault insurance laws and the forms and applications that are required to recover are very complex.

The Law Offices of Michael J. Alber are here for you and our team has decades of experience managing no-fault insurance recoveries for car accident cases.  One of our lawyers can help you file all paperwork needed within the designated time limits.

We provide invaluable assistance by ensuring that all paperwork that is needed for your no-fault claim is completed correctly.  We will help you obtain all necessary receipts and important documentation for you to have and save, as well as counseling you on situations encountered with insurance companies.

How to Recover More Than Your No-Fault Claim:

Article 51 of New York Insurance Law, also referred to as the No-Fault Law and the Comprehensive Motor Vehicle Insurance Reparations Act was passed in 2006. While it is beneficial in terms of helping you receive immediate short-term medical care and a portion of your lost wages, there are several distinct drawbacks.  When no-fault insurance is not sufficient to satisfy all of your needs that is when we can help you.

The no-fault law restricts your ability to file an automobile accident lawsuit unless your economic losses exceed $50,000, or your injury is determined to be “serious” as defined by Article 51.  The $50,000 fund does not cover auto body repair for your own vehicle or for another’s vehicle.  The policy does not allow you to receive compensation for noneconomic losses, including pain and suffering and loss of quality of life.  The New York Insurance Law has set out seven standard for a serious injury, which include:

  1.  Personal injury which results in death
  2.  Dismemberment; significant disfigurement
  3.  Fracture
  4.  Loss of a fetus
  5.  Permanent loss of use of a body organ, member, function or system
  6.  Permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system.
  7.  A medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person’s usual and customary daily activities for not less than ninety days during the one hundred eighty days immediately following the occurrence of the injury or impairment

Even with no-fault insurance in place, car accidents cases are still heavily litigated. We at The Law Offices of Michael J. Alber are always ready and willing to litigation for you.  We will do whatever is necessary for you to be satisfied with your case.  Litigation in the area of no-fault most commonly addresses wrongfully denied insurance claims, establishment of disputed serious injury, along with recovery of compensation that is greater than benefits provided under no-fault insurance.

Contact Us for a No Cost, No Obligation Consultation

When you suffer serious injuries and your no-fault insurance is not sufficient to cover your expenses call The Law Offices of Michael J. Alber, ESQ., 631-462-6900 or email us at MALBER@ALBERLEGAL.COM. Take advantage of our free initial consultation to discuss your injuries and find out whether you have grounds for a lawsuit.

If your injuries prevent you from coming to our office, we will be glad to meet with you at a time and place convenient for you. We handle all personal injury cases on a contingency basis, meaning you do not owe us a fee unless we recover damages for you.

Contact for Consultation