To explain what your rights are under New York law you have to understand a little bit about New Yorks No Fault law. Basically, No Fault says that a person involved in an accident gets their medical bills, lost wages and certain other expenses (called economic loss) paid whether or not that person caused the accident, subject to the limitations and conditions of the automobile insurance policy. In exchange for that benefit, the lawmakers took away that persons right to sue for non-economic loss (pain and suffering) unless a serious injury is sustained. The law then goes on to define what constitutes a serious injury. Having a serious injury is called piercing the No Fault Threshold because the injuries rise to a level severe enough to cross an imaginary line between injuries that do not qualify and ones that do. The car you occupy or the car that struck you if you are a pedestrian covers your economic loss. This is also referred to as PIP coverage. PIP stands for Personal Injury Protection. Basic economic loss is the minimum coverage that is required by law. There may be extra coverage under some circumstances. A claim for No Fault PIP benefits must usually be filed within thirty days of the accident. When people talk about suing for personal injury damages they are referring to recovering for conscious pain and suffering. Pain and suffering is non-economic loss. The No Fault Law does not apply to property damages. If you have collision coverage, then your company covers you. If you do not carry collision coverage, then you can make a property damage claim against the owners and operators of the cars that caused the accident. If you settle, it will almost always be directly with the other cars insurance company, unless the other cars owners and drivers do not want to report the accident to their insurer. So, you can sue for pain and suffering if you have a serious injury. Did you break a bone? Are you disabled? Have you lost use of part of your body? Is part of your body suffering from limited use? Things like that. It is too soon to tell if a serious injury was sustained. Make sure you timely file for No Fault benefits and monitor the progress of medical treatment. If the injuries do not improve within a month or two, then follow up with an attorney. Please note the following necessary legal disclaimer: I have not given legal advice. I only give legal advice to my clients. I am not acting as your attorney. I have not agreed to represent you. We do not share a relationship as attorney and client. Attorneys often disagree. If you want further information or independent verification of anything I have said then you should immediately consult another attorney. All claims have time limits. In general, under New York law they are: three (3) years for personal injury and property damage actions, two and one half (2 ) years for medical malpractice claims, two (2) years for wrongful death, one (1) year for an intentional wrongdoing, six (6) years for contract claims, but four (4) years for sales of goods under the Uniform Commercial Code, and four (4) months to challenge an action or decision of a government body, department or agency. However, in a claim for personal injury or property damages, if any person or entity at fault is affiliated with a municipal or other government department, agency or facility, then you may be required to file a notice of claim within ninety (90) days and then commence a lawsuit within one (1) year and ninety (90) days, but sometimes within one (1) year. These time limits have exceptions. Never sit on your rights!
Answered on Jul 07th, 2011 at 9:53 AM