A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.
Learn More About Car, Truck & Motorcycle Accident Injuries
At the Law Firm of Sobo & Sobo, LLP, we represent the injured throughout the Hudson Valley. With offices conveniently located in Middletown, Newburgh, Pine Bush and Bloomingburg, New York, our attorneys have extensive experience in serving victims of all types of motor vehicle accidents. For more information about our approach to motor vehicle cases, please visit our car, truck and motorcycle accidents pages.
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At Sobo & Sobo, LLP, our lawyers help people who have been injured in any type of motor vehicle accident. We approach each case with thorough preparation and a high level of client contact. We are always available to our clients and are dedicated to keeping them informed about their situation.
Were you or your family member injured in a car accident? Call our experienced legal team at 845-477-5702 or toll-free at 1-888-429-6706. You can also contact us online and we will contact you via e-mail.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Contact Sobo & Sobo L.L.P. in Middletown, to schedule a consultation with a personal injury attorney to discuss how New York views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits to the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver's insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Contact a Personal Injury Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with a personal injury lawyer from Sobo & Sobo L.L.P. in Middletown, New York, will help to clear up the confusion these systems can cause.
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