No-Fault Insurance in N.Y.

Understanding No-Fault Insurance in New York

No-Fault is not exactly what it sounds like. No-Fault refers to Art. 51 of the New York Insurance Law. It is a system set up to compensate injured persons whose crashes arise out of the "use and operation of a motor vehicle". This can be a cyclist, pedestrian, driver, or passenger. If a crash involves a car, truck, or bus, that vehicle's no-fault coverage will be responsible to pay for all "reasonable and necessary medical expenses" related to the collision and to your lost wages. If you are involved in a crash, you need to file a no-fault application within 30 days of the accident with that vehicle's insurance company or your claim can be denied. Sometimes, that time can be extended for a good cause, such as long term hospitalization or disability. No-Fault is separate from any lawsuits for pain and suffering, although both parts are normally handled by your lawyer.

At Flanzig and Flanzig we maintain a dedicated No-Fault Department to help our clients handle their no-fault claim. There is no additional charge for this service as it is part of our comprehensive collision and crash representation.

More About No-Fault

No-Fault is also known as Mandatory Personal Injury Protection (PIP). The endorsement contained in all New York State-issued automobile policies contains four conditions precedent to eligibility for no-fault benefits.

The four conditions precedent are:

Although the system seems friendly and inviting, navigating it can be difficult. Even with a crash being 100% the fault of the vehicle operator, you still may find yourself struggling to get your medical bills and wages covered. While you are allowed to handle your own no-fault claim, often without the help of a lawyer, you will feel frustrated with the process. This is normal. Also, handling your own no-fault claim may jeopardize some of your rights in the underlying lawsuit. This is why we suggest that you allow us to handle all parts of your claim. We have handled thousands of no-fault claims on behalf of our clients. It is a service we provide free of charge when handling your bike crash case! Our experience has taught us the ins and outs of the system, what to expect from the various insurance companies, and how to force them to honor the claim.

This page is a brief outline of some of the insurance issues cyclists in New York may face when involved in a crash. For more information or assistance contact us at (866) 352-6944.

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  • Daniel and the team are great

    “Daniel and the team are great, helpful and do whatever is necessary to make sure you get a proper and fair ending to your scenario.”

    - Rohit B.
  • I strongly recommend them.

    “Daniel Flanzig was extremely helpful and kind and executive helping me deal with the crash I suffered last Friday. He made sure I understood the process and was fairly compensated for the damage on my bike and avoid unfair medical bills. His office answere”

    - Aime L.
  • Flanzig & Flanzig are true advocates for New York's bike-riding community! I would recommend them to anyone.

    “I was doored when riding my bike in Brooklyn. I broke my hand in the accident and had surgery plus pins inserted to repair it. I hired Flanzig & Flanzig as my personal injury lawyers and I am so glad that I did! They handled every step of the process. ”

    - Janet U.
  • Dan and his team did an exceptional job for me – they should get 6 stars!

    “I had a bike crash and didn’t know where to turn for representation. I spoke to a number of law firms, but none of them understood what a crash meant to me as an everyday bicycle rider. From the first ...”

    - Christopher H.
  • Dan and his staff was instrumental in getting a fair settlement

    “Dan and his staff was instrumental in getting a fair settlement after a long delayed process held up by an unresponsive and uncooperative insurance company. Dan was always available to answer any ...”

    - R.P.
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