the law office of dennis p. ryan

Frequently Asked Questions For no fault car accidents

You are in an auto accident in New York. Your immediate concern is "How am I going to pay for my medical bills?"

In New York, these bills are paid by No-Fault insurance. The Law Office of Dennis P. Ryan can guide you through this - reach out today by calling 212-441-4352.

How does No-Fault Car Insurance work in New York?

Under the no-fault system, your medial bills are paid for by your own auto insurance carrier after you submit a No-Fault Claim. This is the case regardless of who is at fault for the car crash. See: https://www.dfs.ny.gov/consumers/auto_insurance/nofault_faqs. Basic New York No-Fault policies have  $50,000 in coverage. No-Fault Insurance covers the following: 

  • Medical bills for injuries caused by the accident

  • Lost income, if you were unable to work as a result of the accident

  • Replacement services, if you were unable to do certain activities as a result of the accident (e.g., driving)

  • Funeral costs in the case of death

Do You Still Need a No-Fault Car Accident Lawyer in New York?

While it's not mandatory to hire a lawyer for a no-fault car accident claim, it can be useful to do so particularly if you've been seriously injured or suffered large losses as a result. They can help you navigate the process to ensure you get the maximum compensation you're entitled to. 

Remember this, too: even though you have no-fault insurance, your insurance company wants to protect its own interests (namely, profits) first. An insurance adjuster may still try to minimize or even avoid a settlement in some cases, depending on the circumstances. For example, your no-fault benefits could be denied if:

  • You failed to follow the procedures properly (e.g., failed to use the right form to notify the insurance company of your accident or failed to inform them within a certain time frame); or

  • The insurance adjuster argues the injuries you claim to have sustained are not accurate or did not result from the accident

In either of these scenarios or any other scenario, a no-fault car accident lawyer will advise you of your legal options. The attorney can also represent you and your interests in an alternative dispute resolution platform or file a lawsuit on your behalf.

Contact a No-Fault Car Accident Lawyer in New York Today

Though fault is not necessarily required to be proved before you obtain compensation for property damage or bodily injuries after a car accident, it is necessary sometimes. So, if you have been involved in an auto accident in New York, make sure you know how the no-fault system works. Sometimes, the process is not as straightforward as it would seem and additional legal steps are necessary. 

At Law Office of Dennis P. Ryan, our car accident attorney makes sure you get the compensation you deserve. Contact us either online or by calling us at (212) 441-4352 to schedule a free consultation.

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recent results

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recent results |

  • The Law Office of Dennis P. Ryan was able to win an important motion to allow a Department of Sanitation Supervisor to bring a Personal Injury Claim against the City of New York. Anyone who plans to sue a municipality in the State of New York, must file a Notice of Claim within 90 days of the date of the accident. A New York City Sanitation Supervisor recently contacted our law firm 5 months after the accident, and more than 2 months after the Notice of Deadline had passed. Our office was successfully able to convince the Court that our client's claim fell under an exception and should be allowed to proceed. Our client is now likely going to be able to receive money for his pain pain and suffering and lost wages.

  • Our client was a Sanitation Worker who was hit by a car while he was servicing his route. He suffered an ankle injury that required him to go for Physical Therapy for 1-2 months. Even though he did not need any injections or surgery, we were able to convince the insurance company to offer the full amount of its $25,000 to settle the case. We were able to achieve this settlement before our client needed to appear for a deposition.

  • Our client was a Sanitation Worker who was hit by a car while he was servicing his route. He had to have a shoulder surgery and missed several months of work, losing Chart Money, Truck Money and Overtime Money. We filed a lawsuit on his behalf in Kings County (Brooklyn). Our office was able to settle case for the full amount of the driver's Insurance Policy. We were able to achieve this settlement before our client needed to appear for a deposition.

  • Our office was able to settle a case for the full amount of Insurance Policy for Pedestrian who tripped and fell on sidewalk in Nassau County. This was a tough case in a tough venue for Plaintiff's attorneys. Our client had contacted 2 previous law firms who declined her case because they thought it would be too difficult to obtain a settlement. Our office was not only able to settle the case but we were able to persuade the insurance company to offer the full amount of its insurance policy to settle the case.

  • Our office was able to obtain a settlement for $95,000 (out of a total of $100,000) for a Sanitation Supervisor who hurt his ankle in a car crash. The insurance company for the other driver made several motions to the court asking the Judge to dismiss the case. We were able to defeat each of these motions and eventually settle the case for $95,000. This was more than 3 times the initial settlement offer that the insurance company made.

  • Our client fell on a broken sidewalk in the Bronx in front of a 1 family house. We brought a lawsuit against the City of New York and the insurance company for the homeowner. Our client aggravated injuries to his ankle that he had suffered years ago while playing sports. The Insurance Company made a Motion to the Court asking to dismiss our case. We were able to defeat this Motion and we were eventually able to settle this case against the City of New York and the Insurance Company for a total of $75,000.

  • Our office was able to obtain a settlement of $97,500 out of a possible $100,000 in available insurance coverage for a Car Crash that happened in New Jersey. Our client was involved in a 2 car crash. She had a stop sign and the other driver did not have a stop sign. For that reason, the insurance company claimed that the crash was completely the fault of our client. Our firm hired investigators who canvassed the scene for witnesses, photos and videos of the crash. We were able to prove that the other driver was driving too fast for the intersection and was also at fault for the crash.

  • Our office was able to obtain a settlement of $170,000 for a woman who slipped and fell on ice on the stairs of the house that she rented an apartment at. Her landlord's insurance company argued that the landlord had done everything it could to prevent our client's fall. We were able to prove that the landlord had not properly shoveled and salted the steps before our client's fall.

  • Our Office settled a case for a Sanitation Worker who tripped and fell on uneven pavement inside his Sanitation Garage and hurt his ankle. The Worker had several prior Line of Duty Injuries (LODIs) where he had also hurt his ankle. Our office was able to prove that this LODI aggravated the old injuries and made the injuries worse.