New York State is what is referred to as a “No Fault” state. This means that if you are involved in an automobile accident in, for example, Erie County and suffer a personal injury, your initial medical bills and a portion of any lost wages will be paid by your own automobile insurance company, even if the other driver is at fault and ultimately found liable for your injuries.
The amount your insurance company must pay is, however, capped based on how much coverage you have purchased. If you do not know how much coverage you have, you should contact your insurance provider to discuss this. Medical bills from an automobile accident can mount quickly.
Under New York State law, you have thirty days to report a no fault claim to your insurance company, or you may be denied coverage. If you are in an automobile accident and require medical treatment, you, a member of your family, or your personal injury attorney should contact your automobile insurance company as quickly as possible and inform them of the situation.
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