Like other states, New York has unique laws about automobile insurance.

It is important for those injured in motor vehicle accidents to understand a bit about these laws, as they can turn out to be an injured victim’s best route for getting compensation after a motor vehicle accident.

These laws are especially important in cases where the responsible driver is either unable or unwilling to pay for the damage that they caused.

Examples of these sorts of cases might include a pedestrian hit by a hit-and-run motorist or a commuter who suffers a severe head and spine injury at the hands of a negligent driver who only carried minimal insurance.

New York’s no-fault benefits, which is also called personal injury protection, allows those who have the coverage to receive up to $50,000 in benefits for items like medical expenses and lost income.

The details of these benefits can be somewhat complicated, but the bottom line is that a victim is entitled to them even if he or she cannot prove that the other driver is responsible for the accident.

As long as he or she has them, the victim can claim these no-fault benefits through his or her own insurance company.

Uninsured motorists coverage is another way a motor vehicle accident victim can lean on his or her own insurance company for compensation.

Unlike no-fault coverage, though, this type of insurance allows for compensation when someone else is responsible for a victim’s injuries but either does not have automobile insurance or does not have enough insurance to pay for a person’s losses.

For those who purchased them, no-fault and uninsured motorists coverage can be a lifesaver for New York victims of motor vehicle accidents who would otherwise have no means of getting compensation.

However, actually pursuing and obtaining these benefits can prove to be a legal hassle, especially if the insurance company is unwilling to pay them.