Motor Vehicle Accidents

New York is one of only a few states that use a no-fault, or personal injury protection (PIP), insurance system to handle coverage after a car accident. Because liability usually isn’t questioned in a no-fault state, injured individuals rely on their own insurance providers to cover medical expenses. However, issues can still arise in typical auto accident cases, so consulting a personal injury lawyer may be necessary.

If a negligent driver hurt you on Long Island, turn to our New York motor vehicle accident attorneys at The Law Offices of Farid Ahmed. Our firm has a strong history of winning cases and a reputation for prioritizing our clients’ needs. We understand that no one plans to get into a car accident, so we make ourselves available 24/7. Our goal is to provide aggressive, determined representation designed to get you the compensation you deserve.

If your motor vehicle insurance policy limits cover your damages, a judge will likely dismiss any direct claim you file against the driver who hit you—even if the accident was clearly their fault. However, exceptions allow you to file a direct claim if your damages exceed your coverage or your injuries qualify as “serious.”

After a motor vehicle accident, see your doctor as soon as possible if you haven’t already. Also, speak to an attorney to discuss your situation with your insurance company. Under New York’s no-fault rules, you should start collecting payments for your medical expenses. If your doctor determines that your injuries meet the state’s definition of “serious,” you can file a claim against the other driver. With help from our skilled legal team, you can trust we will fight to secure the maximum compensation you deserve for your serious injury.

AN INJURY IS CONSIDERED SERIOUS IF IT CAUSES:

• Permanent or outwardly noticeably disfigurement
• Bone breaks or fractures
• Permanently limits the use of a body part
• Drastically limits the use of a body part for any amount of time
• Causes full-body debilitation for at least 90 days

Property damage is not subject to New York’s no-fault insurance regulations. If your vehicle was wrecked or even just dented in a traffic collision, you can file a claim directly against the negligent party. This rule also applies to all types of property damage, including real estate and personal items inside your car that were damaged in the crash.

Because of how no-fault insurance works, your standard PIP policy likely already includes uninsured motorist (UM) coverage. This coverage helps protect you financially if a driver without insurance causes an accident. However, you probably don’t have underinsured motorist (UIM) coverage, which is optional in New York and not offered by all insurers. UIM coverage increases your damage cap when the at-fault driver cannot fully pay for your losses. Although UIM coverage usually adds to your monthly premium, it is often worth the cost. Therefore, consider discussing your options with your auto insurance provider to ensure you have adequate protection.