What is No Fault?

Every automobile insurance policy issued in the State of New York contains “personal injury protection” coverage. This “PIP” portion of the policy is commonly referred to as “no-fault” because it provides for payment of medical bills, lost wages and other accident-related expenses no matter who is at fault for the accident.  The law states that the insurance companies must provide at least $50,000 worth of no-fault coverage for each and every person injured in a particular vehicle.

Anyone injured in a motor vehicle accident in the State of New York must file a no-fault application with the appropriate carrier within thirty days of the date of the incident. The “no­ fault laws” are complicated, so Queens accident attorney, Michael Dreishpoon, helps his clients fill­ out the application and submits them to the insurance representative.

Though the insurance companies want you to think that they care about you, they’re actually large companies that make tremendous sums of money by investing the premiums that you pay every month. They are concerned with making profit, and your no-fault claim cuts into their bottom line. Thus, they try to terminate your no-fault benefits as quickly as possible by forcing you to get examined by a doctor or doctors of their choosing.   The insurance carriers generally hand-pick doctors who will go out of their way to conclude that your injuries have healed and that you no longer require treatment.  Michael Dreishpoon, a New York City personal injury attorney, will help you put off these insurance exams to the last possible minute, thereby permitting you to get as much “free” treatment as possible.


As stated above, no-fault will pay you for lost wages if you can prove that your injuries are accident-related and prevent you from working. This is often easier said than done. The Law Offices of Michael Dreishpoon knows the types of documents that the carriers require and will help you get every last penny that you deserve.

Most people are not aware of the “no-fault law” and often do not seek the treatment they need after the accident because they think that they don’t have any insurance. Early treatment is usually critical to a quick recovery, so such a delay can have significant detrimental effects. If you’ve been injured in an automobile accident in Queens or the New York City area, contact Michael Dreishpoon, a Queens County and New York metropolitan area accident attorney, immediately to learn about your rights and to get the ball rolling.