According to the statistics published in Forbes, New York City witnessed over 275 car accidents on a daily basis in 2022, 38% of which involved an injury or fatality. Did you know New York law has your back, no matter who's at fault in the accident?

Well yeah, New York is a “no-fault” insurance state. Let’s debunk some common myths about no-fault car accidents, so you know what to expect (and what NOT to). 

Myth 1: No-fault means no one's at fault in the crash.

Reality: No-fault insurance covers medical expenses regardless of who's at fault, but it doesn't mean nobody's responsible for the crash. It doesn't determine fault for the accident itself.

Myth 2: You can delay medical treatment after a no-fault accident.

Reality: First things first, your health matters most! Seeking immediate medical attention is crucial. Delaying treatment can worsen injuries and complicate insurance claims. 

Myth 3: No-fault insurance covers all expenses.

Reality: No-fault insurance typically covers medical bills and lost wages but not vehicle damage. You may need additional coverage for property damage. 

Myth 4: You can't sue after a no-fault accident.

Reality: While no-fault insurance provides quick compensation for medical bills, you can still sue for damages in certain situations, such as severe injuries or pain and suffering.

Myth 5: All healthcare providers accept no-fault insurance

Reality: Not all doctors or medical offices in New York accept no-fault insurance. It's a good idea to turn to ones that do.  

Good news: We do! At HEMA, our doctors deal with number of no-fault accident cases, so they know the ropes – from your care to your claim.