After a motor vehicle accident in New York, injured parties who are seeking compensation may find it challenging to understand and deal with the complexities of the state's no-fault insurance system. At The Licatesi Law Group, we comprehend the difficulties that individuals injured in accidents encounter when communicating with insurance companies and are committed to assisting them through the entire process with proficiency and empathy.

In New York, a "no-fault" insurance system is in place. This system ensures that regardless of the party responsible for a car accident, each individual's insurance company is accountable for their medical expenditures and other financial damages, within the limits of their policy. Although the primary purpose of this method is to speed up the claims process and guarantee timely delivery of benefits, it may also restrict the injured party's capacity to seek compensation for anything beyond fundamental financial losses.

In accordance with New York's no-fault insurance regulations, personal injury protection (PIP) insurance covers eligible expenses such as medical bills, missed income, and other essential costs associated with the accident, up to a specific limit. Nevertheless, the no-fault system typically does not provide compensation for non-economic damages, such as pain and suffering. The restriction on compensation for intangible losses can pose considerable difficulty for those involved in accidents who have suffered severe injuries leading to substantial physical pain, emotional anguish, and a reduced standard of living. In such instances, it might be imperative to seek further compensation by means of a personal injury litigation against the party responsible.

At The Licatesi Law Group, we understand the significance of maximizing the financial restitution for our clients involved in motor vehicle accidents, while adhering to the limitations imposed by New York's no-fault insurance system. Our proficient lawyers possess an in-depth understanding of the complexities of the legal system and excel at engaging in negotiations with insurance providers such as Geico and Chubb, to guarantee that our clients obtain the complete range of advantages provided by their policies.

When we represent our clients in no-fault insurance claims, we adopt a proactive strategy to collect evidence, evaluate the severity of their injuries, and battle for their legal entitlements. We collaborate extensively with medical professionals, accident reconstruction experts, and other specialists to establish a robust argument supporting our clients' right to get compensation for their injuries and damages.

Accident victims should be aware that New York's no-fault insurance system offers specific advantages, but it also restricts their ability to pursue compensation beyond basic financial damages. Nevertheless, there are certain circumstances in which the no-fault threshold does not apply, referred to as "serious injury" standards, that enable individuals who have been harmed to bring a personal injury claim against the responsible party. In accordance with New York legislation, a serious injury is characterized as an injury that causes notable disfigurement, permanent restriction in the use of a body organ or limb, substantial limitation in the use of a bodily function or system, or a medically diagnosed injury or impairment that prevents the injured individual from performing the majority of their regular daily activities for a minimum of 90 days (about 3 months) within the 180 days (about 6 months) immediately following the occurrence of the injury or impairment.

If a party who has sustained an injury fits the criteria for a significant injury, they may have the right to pursue compensation for intangible damages such as physical pain, mental anguish, and the diminished ability to enjoy life through a legal action for personal injury. The Licatesi Law Group has a demonstrated history of achieving favorable outcomes in personal injury litigation and vigorously defending our clients' entitlement to just and appropriate compensation.

When confronted with the intricacies of New York's no-fault insurance system, individuals who have been involved in accidents require a reliable legal representative to support them. The Licatesi Law Group is dedicated to offering specialized counsel and advocacy to guarantee that our clients obtain the appropriate recompense for their injuries and damages. If you have sustained injuries in a motor vehicle collision, please contact us today at (516) 227-2662, for a complimentary consultation. We are here to assist you in navigating the path to recovery.