MOTOR VEHICLE ACCIDENTS

New York State follows the “no-fault insurance” (sometimes referred to as “personal injury protection insurance” or “PIP”) laws and regulations. What that means is regardless of who was at fault for the motor vehicle accident, you may be entitled to benefits. In order to negotiate a possible settlement with the insurance carrier(s), it is required to meet a standard of  “threshold of injury” which include the following:

• Death;
• Dismemberment;
• Significant disfigurement;
• A fracture;
• Loss of a fetus;
• Permanent loss of the use of a body organ, member, function or system;
• Permanent consequential limitation of the use of a body organ or member;
• Significant limitation of the use of a body function or system;
• An injury or impairment of a non-permanent nature which prevents you performing your usual and customary daily activities for not less than ninety (90) days during the one hundred and eighty days (180) immediately following the accident.