NYFAIR is dedicated to protecting access to quality health care for automobile accident victims

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In 1973, the New York State Legislature enacted the Comprehensive Automobile Insurance Reparations Act which supplanted common-law tort actions for most victims of automobile accidents with a system of no-fault insurance. Under the no-fault system, prompt compensation for losses incurred by accident victims is to be made without regard to fault or negligence.  In simpler terms, in New York, if you are injured in an automobile accident, your own insurance company reimburses you for your “basic economic loss” resulting from the accident, regardless of whether the accident was your fault or not. “Basic Economic Loss” includes up to $50,000.00 per person of the following combined items:
  1. Health service bills incurred.
  2. Loss of earnings from work missed.
  3. All other reasonable and necessary expenses incurred, up to twenty-five dollars per day for not more than one year from the date of the accident causing the injury
New York’s No-Fault system allows individuals injured in automobile accidents to get medical treatment and be reimbursed their lost wages without having to fight insurance companies over who was at fault for the accident itself. Whether you know it or not, the right to payment of No-Fault benefits is part of your automobile insurance policy.
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