Being involved in a car accident can be life-changing, and many drivers are unsure of what steps to take afterward. One common question is whether you must prove fault to receive compensation. Understanding how fault works in New York and what to expect after an accident can make the process less stressful. If you are looking for auto insurance coverage to help protect you financially after an accident, the team at Toedt Insurance Agency LLC in Albany, NY, can help you explore your options.
New York is considered a no-fault state. This means that after most car accidents, your own Personal Injury Protection coverage pays for medical expenses and certain related costs, regardless of who caused the accident. In many routine accidents, drivers do not need to prove fault to receive these basic benefits.
However, there are situations where fault does matter. If injuries meet New York’s serious injury threshold, you may be allowed to file a lawsuit against the at-fault driver for additional compensation, such as pain and suffering. In these cases, fault must be established.
New York also follows a comparative negligence rule. If you are found to be partially responsible for the accident, your compensation may be reduced by your percentage of fault. For example, if you are determined to be 20 percent at fault, any awarded compensation would be reduced by that same percentage.
Protect Yourself on the Road With Toedt Insurance Agency LLC
Car insurance is required in New York, regardless of whether fault must be proven after an accident. Having the right coverage in place can help protect you financially and give you peace of mind. At Toedt Insurance Agency LLC in Albany, NY, we make it easy to compare coverage options and understand your policy.
Compare quotes today and make sure you are properly protected before an accident happens.
