If you’ve already been through the frightening experience of a car accident and are now home from the hospital, you may be wondering: “What do I do next and how can I pay for my medical bills?” Lawsuits and personal injury settlements can take years to end but you may be entitled to insurance benefits right away. In New York, one of the most important steps is making sure you file for your No-Fault benefits — and fast.
Why No-Fault Benefits Matter in New York
New York is a No-Fault state meaning every car insurance policy has coverage to pay for your car accident-related medical bills, lost wages, and certain other expenses — regardless of who caused the crash. These benefits can make a huge difference in the weeks and months after your injury.
But here’s the catch:
You generally have only 30 days from the date of the accident to file a No-Fault claim.
Missing this deadline could mean losing access to coverage for your medical treatment and financial support.
The First Steps at Home
Now that you’re home, here’s what you should do next:
Gather Your Paperwork: Hospital discharge papers, accident report, and any information from your insurance company.
Complete the No-Fault Application: This is called an NF-2 form. It must be sent to the right insurance company within 30 days.
Get Help if You’re Unsure: The process can be confusing, especially if you’re recovering from an injury. That’s where having an experienced attorney can make all the difference.
How Fox Law Firm Can Help
At Fox Law Firm in Riverhead, we help accident victims across Suffolk County and Long Island file their No-Fault applications correctly and on time. We:
- Help you fill out any insurance forms necessary to secure your benefits;
- Determine which insurance carrier is responsible to pay for your benefits;
- Handle the paperwork and deadlines so you don’t have to;
- Contact the insurance carrier and deal with their representatives on your behalf;
- Discuss any other legal remedies you may have to compensate you for your injuries.
Don’t Wait — Protect Your Rights Today.
The days after an accident can be overwhelming, but you don’t have to figure it out alone. Call Fox Law Firm today for a free consultation and let us help you take the right steps to secure your No-Fault benefits.
FAQ for No-Fault Benefits
- Q: How long do I have to file for my benefits?
- A: Typically you have 30 days from the date of the accident to file.
- Q: What does No-Fault cover?
- A: No-Fault benefits can pay for medical treatment, lost wages, prescription costs, and transportation to medical appointments related to your accident — regardless of who caused the crash.
- Q: Who covers your No-Fault benefits?
- Typically, your insurance will provide you your No-Fault benefits. Although this is typical it is not true in ever motor vehicle accident. That is why it is important to discuss your case with an experience attorney.
- Q: Can I still bring a lawsuit if my medical expenses are covered by No-Fault
- A: Yes, If you suffer a serious injury as defined by New York State law, you may still file a personal injury lawsuit. This is why it is important to speak with an experienced attorney so we can best assess your options.
Fox Law Firm, PLLC is a New York criminal and traffic law practice serving clients throughout Nassau and Suffolk counties. With more than three decades of law practice experience, attorney Dan Fox has helped clients in traffic and criminal cases defend themselves and protect their rights. For more information or to ask for a consultation, call our Riverhead office at 631-779-3400 or visit our contact page.
