Motor vehicle accidents have many causes: inattentive drivers, intoxicated drivers, dangerous weather conditions and even poor road maintenance. No matter what the cause, the impact can be devastating. Contact our firm today to schedule a consultation and case evaluation with an attorney.
Learn More About Motor Vehicle Accidents
My name is John Kingsley, and as an attorney, I help people who have been injured in motor vehicle accidents in Greene, Columbia and Ulster counties in the Catskills region of New York. To learn more about what I can do help you recover fair compensation for your injuries and other losses, please visit the car, motorcycle and truck accident sections of this Web site.
I have provided some general information to educate you about how the law applies in these cases. For more specific information and a free consultation with an experienced lawyer — call or contact me directly.
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Attorney John P. Kingsley helps injured persons and grieving families who have been harmed as the result of motor vehicle accidents in the Upper Hudson River Valley. To put more than 40 years of experience on your side, call or contact the firm today and ask to schedule a free consultation.
Injured in a car, truck or motorcycle accident in the Catskills region of New York? Do not hesitate to call me, attorney John P. Kingsley, for help in obtaining fair compensation for your losses. You can reach my law offices at 518-291-4843 or 888-508-5537 (toll free). There is no charge for the initial consultation.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from John P. Kingsley, P.C. in Catskill, New York, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Speak with an Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from John P. Kingsley, P.C. in Catskill, New York, will help to clear up the confusion these systems can cause.
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