Why You Should Consider Hiring a No-Fault Attorney in New York

If you’ve been involved in a car accident in New York, you’ve probably come across the term “No-Fault Insurance.” While New York’s No-Fault system is designed to simplify and speed up the claims process, many accident victims find themselves overwhelmed by the paperwork, deadlines, and denials. This is where hiring a No-Fault attorney can make a real difference.

Understanding New York’s No-Fault Law

New York is one of a handful of states that operates under a No-Fault Insurance system. This means that after most motor vehicle accidents, your own insurance company pays for your medical expenses and lost wages—regardless of who was at fault.

Here’s what No-Fault typically covers:

• Medical bills

• Prescription costs

• Lost wages (up to 80%, capped)

• Transportation to medical appointments

• Other reasonable accident-related expenses

However, these benefits come with strict filing requirements and tight deadlines, often leading to claim denials—even for legitimate injuries.

When Should You Hire a No-Fault Attorney?

You may need a No-Fault attorney if:

• Your medical bills or lost wage claims were denied

• The insurance company is delaying payments

• Your claim was closed without explanation

• You're facing an Independent Medical Examination (IME)

• You’re a medical provider seeking reimbursement

A qualified attorney can challenge wrongful denials, handle arbitration proceedings, and ensure that your rights are protected throughout the process.

What Can a No-Fault Attorney Do for You?

An experienced No-Fault attorney can:

• Review and appeal denied claims

• Navigate complex insurance paperwork

• Represent you in arbitration with insurance carriers

• Ensure medical providers are reimbursed fairly

• Coordinate your No-Fault claim with a potential personal injury lawsuit

In many cases, attorneys work on a contingency fee or recover fees through arbitration, so there may be no upfront cost to you.

Why Local Experience Matters

New York’s No-Fault system is unique and highly regulated. Hiring an attorney familiar with New York’s Insurance Law § 5101 and related court decisions can make a significant impact on the outcome of your case. Look for attorneys with a proven track record in No-Fault litigation or arbitration, particularly if you're in a borough like Brooklyn, Queens, or the Bronx, where the volume of claims is high or in an area where there is a large population such as Westchester Count and specifically in Mt. Kisco, Yonkers, Ossining, New Rochelle and Peekskill.

Even though the No-Fault system is meant to protect accident victims, insurers often put their interests first. If your claim has been denied, delayed, or mishandled, don’t hesitate to seek legal guidance. A skilled No-Fault attorney in New York can help you cut through red tape, get the compensation you’re entitled to, and allow you to focus on healing.

Need help with a No-Fault claim in New York? Contact an experienced attorney today to explore your options—before your claim window closes.  At Law Offices of Spencer M. Fein, P.C., we provide knowledgeable legal guidance to clients on no fault issues.  We represent individuals throughout New York, including Ossining, Briarcliff Manor, Yonkers, Mount Kisco, and White Plains. Reach out to us today to start your path forward.