No Fault Insurance FAQs

No-fault insurance is a type of automobile insurance that covers medical expenses and lost wages for individuals involved in an accident, regardless of who is considered at fault.

No-fault insurance provides coverage for medical bills and lost income for those injured in a car accident.

No-fault insurance extends coverage to individuals involved in an accident and pays for their medical expenses and lost wages.

No, insurance rates typically do not rise after a no-fault accident because this type of coverage does not take fault into account.

No, it does not. Vehicle damage is covered separately in your insurance policy.

Yes, New York has laws governing no-fault auto insurance under the NYS insurance code.

To file a no-fault insurance claim in New York, you need to submit an application for no-fault benefits, often referred to as the NF2.

No, no-fault insurance only covers medical bill payments and lost wages, not damage to the vehicle.

No, it is mandatory and included in every automobile insurance policy, so it does not typically result in higher premiums.

No, you cannot file a lawsuit using no-fault insurance. You can pursue legal action under the bodily injury coverage portion of your policy.

No, theft coverage requires a separate endorsement in your policy.

No-fault insurance remains in effect until the minimum coverage limit, usually $50,000, is exhausted.

The cost varies among insurance companies, depending on various factors.

Doctors typically submit bills to the no-fault insurance carrier for payment.

To find affordable no-fault insurance, it’s advisable to contact and compare quotes from various insurance companies.

Yes, it is a legal requirement and included in every automobile insurance policy in New York.

No, full coverage usually refers to collision coverage for vehicle damage, whereas no-fault insurance covers medical expenses and lost wages.

You may pursue compensation through other means, such as MVAIC, which is a state insurance fund.

No, no-fault insurance only applies to automobile accidents.

The primary purpose of no-fault insurance is to provide financial coverage for medical bills and lost wages for all individuals involved in a car accident.

Every auto insurance policy includes basic no-fault coverage as a mandatory minimum requirement of $50,000.

The individual seeking treatment typically pays the deductible, if applicable.

No, it is mandatory and included in every automobile insurance policy.

No, property damage coverage is separate and covers vehicle repairs after an accident.

No, insurance companies cannot assign fault without sufficient evidence or witnesses.

If medical marijuana is prescribed and falls within the fee schedule for reimbursement, then it may be covered by no-fault insurance.

Yes, you can apply for FMLA, but if you receive wages from another source, no-fault insurance may also reimburse you, although there should be no double recovery.

You can try, but private insurance providers often deny such claims, stating that they result from a car accident, and no-fault insurance is primary for billing purposes.

Yes, you can pursue legal action through arbitration or litigation if the no-fault benefits are wrongfully denied.

Yes, it’s important to contact your insurance company to report the claim, and they will open a no-fault claim for processing and payment of medical bills and lost wages.

Other insurance companies can access information about prior no-fault claims, but they should not penalize you because no-fault insurance does not consider fault when processing claims.

Yes, all hospital, urgent care, and ambulance bills are covered through no-fault insurance.

To apply no-fault coverage, the vehicle being occupied must have a valid policy. If it lacks insurance, no-fault may not apply, and other options like household policies or MVAIC may be necessary.

They can do so if they suspect fraud or if a policy condition is violated.

If the accident is not your fault, your rates should typically not increase, even if you make a property damage claim.

Coverage for adaptive sports equipment may vary depending on your policy, so it’s important to check with your insurer.

No, hit and run incidents are usually covered in your policy by the uninsured motorist endorsement, not through no-fault insurance.

Yes, no-fault insurance covers up to $2,000 per month for lost wages.

Yes, Uber drivers are covered under no-fault insurance.

Yes, no-fault insurance covers all medically necessary bills resulting from a car accident.

No, no-fault insurance does not cover motorcycle accidents. Injured individuals in motorcycle accidents typically use their private health insurance or purchased medical pay coverage.

No, property damage coverage for automobiles is separate and covers repairs after an accident.

No, no-fault insurance is independent and does not affect SSDI benefits.

No-fault insurance payments are made directly to medical providers once they submit the bills to the insurance carrier.

Yes, no-fault insurance exclusively applies to automobile accidents.

Every auto insurance policy includes no-fault coverage as a mandatory minimum requirement, typically at $50,000.

Insurance companies have access to a nationwide database where all claims are reported.

No-fault insurance protects drivers and passengers by ensuring that their medical bills will be covered after an accident, regardless of fault.

PIP insurance is synonymous with no-fault insurance and covers medical expenses and lost wages resulting from an automobile accident.

Workers’ compensation is designed for individuals injured while working, while no-fault insurance covers injuries resulting from car accidents.

No-fault insurance covers injuries until the policy funds are exhausted.

No-fault insurance does not use units of service. Bills are paid until the policy limit is reached.

No, there is no fixed unit duration in no-fault insurance; bills are paid until the policy limit is exhausted.

The allowable charges for services provided by a massage therapist can vary, typically subject to the fee schedule set by the insurance carrier.

No-fault insurance primarily benefits injured individuals by covering their medical expenses and lost wages, rather than employers.

When reporting your accident claim to the insurance company, they will create a no-fault claim number for processing.

No, no-fault insurance is distinct from PLPD. No-fault covers medical expenses and lost wages, whereas PLPD typically covers liability and property damage.

PIP (Personal Injury Protection) is synonymous with no-fault insurance, covering medical expenses and lost wages resulting from car accidents.

Yes, no-fault insurance is mandatory and included in every car insurance policy.

No, no-fault insurance solely applies to automobiles.

The presence of a deductible in no-fault insurance depends on the policy. If selected, a deductible will apply.

Typically, no-fault insurance does not involve copays, but it may include deductibles, depending on the policy.

Pharmacies may accept no-fault insurance, but it is advisable to confirm with the specific pharmacy.

Accepting no-fault insurance is not a choice; it is automatically included in every car insurance policy.

Basic no-fault insurance is already included in every car insurance policy, so there is typically no need to opt for it separately.

Yes, no-fault insurance laws are currently in effect as part of the law in the State of New York.

Aggregate no-fault benefits refer to the total coverage amount available under the policy, usually $50,000 unless additional coverage like APIP is purchased.

No-fault insurance ensures that medical bills and lost wages are covered without assigning fault after an accident, providing peace of mind to those injured.

A typical no-fault insurance policy covers medical expenses and lost wages, with specific limits and potential deductibles chosen by the policyholder.

If the at-fault driver is uninsured, you may need to seek compensation through other means, such as household policies or MVAIC.

To process a no-fault insurance claim, you typically need information about the accident, medical bills, lost wages, and the necessary claim forms.

Bodily injury settlement is not related to no-fault insurance. No-fault covers medical expenses and lost wages, whereas bodily injury settlements compensate for injuries and pain and suffering.

A no-fault carrier is an insurance company that offers no-fault insurance policies for automobiles.

A no-fault insurer is an insurance company that provides no-fault insurance policies to individuals and their vehicles.

Addon no-fault insurance is additional personal protection coverage that can be added to your policy for an extra cost.

Liability insurance covers accidents involving bodily injury, while no-fault insurance is specifically for medical bills and lost wages.

No, no-fault insurance does not apply to nursing homes; it pertains to automobile accidents.

No-fault insurance is not related to event insurance; it is specific to automobile accidents.

The insurance company may verify your lost wages by examining your employment details, including your workplace, hours worked, and pay rate.

The core idea behind no-fault insurance is to ensure that all drivers have coverage for medical bills and lost wages, irrespective of fault, following a car accident

The no-fault insurance law, in essence, mandates that all medical bills and lost wages will be covered regardless of fault in car accidents. Fault is not a consideration when providing coverage, hence the term “no-fault” insurance.

There is no waiver for no-fault insurance; it is a mandatory inclusion in every car insurance policy.

No-fault insurance typically covers up to $2,000 per month for lost wages, unless additional coverage like APIP is included.

If a person lacks insurance, they may not have coverage for their vehicle, and other options like household policies or MVAIC may need to be explored.

Every automobile insurance policy includes basic no-fault coverage as a mandatory minimum requirement.

The insured individual is responsible for paying any deductible according to the terms of their policy.

The insured person pays any deductible specified in their policy.

No-fault insurance makes payments to all individuals injured in a car accident.

No-fault insurance laws are typically enacted by state legislatures.

In New York, if a driver lacks insurance, the state insurance fund known as MVAIC can also provide coverage for medical bills

Workers’ compensation is called no-fault insurance because it provides coverage for injuries sustained at work without requiring proof of fault.

Driverless cars could potentially impact no-fault insurance if they lead to fewer accidents, which could, in turn, affect insurance rates.

No, no-fault insurance automatically provides coverage for all automobile insurance policies without the need for court proceedings.

Reforms in no-fault insurance laws typically do not apply retroactively.

It depends; if it is in the fee schedule and medically necessary, then yes.