New York is a no-fault state for car accidents. This means that each driver's own insurance company will pay for their medical expenses and lost wages, regardless of who was at fault for the accident.
If you have been injured in a car accident, you may be able to file a personal injury lawsuit to recover damages such as pain and suffering, but only if your injuries meet what is often referred to as the "serious injury" threshold under New York state law.
How Does No Fault Insurance Work in NY?
In New York, all drivers are required to carry personal injury protection (PIP) insurance. PIP insurance covers up to $50,000 in medical expenses and lost wages for each person involved in an accident, regardless of who was at fault.
To file a personal injury lawsuit against the at-fault driver, you must have suffered a "serious injury" as defined by New York law.
Serious injuries include but are not limited to death, dismemberment, significant disfigurement, broken bones, permanent loss of use of a body part or organ.
What Are the Most Common Causes of Car Accidents in New York?
Many different factors can contribute to car accidents, but some of the most common causes include:
1. Distracted driving
2. Drunk driving
4. Reckless driving
5. Weather conditions
6. Road hazards
7. Running red lights
If you have been injured in a car accident in Albany New York that was caused by another driver's negligence it is important to speak with an experienced personal injury attorney to discuss your legal options.