If you have been rear-ended while driving in New York, you may already know how quickly life changes after a crash. Medical appointments begin piling up, bills arrive faster than expected, and the stress of missing work grows. The good news is that New York has a no-fault insurance system designed to provide injured drivers and passengers with prompt medical and wage benefits. Understanding how this system works and knowing the steps to file a claim will protect your right to coverage and help you recover with fewer delays.
What No-Fault Insurance Means in New York 
New York is one of several states that follow a no-fault insurance system for motor vehicle accidents. This means that after most collisions, including rear-end crashes, each driver first turns to their own insurance policy for medical and certain economic benefits. No-fault insurance pays for necessary medical treatment, a percentage of lost wages, and reasonable out-of-pocket expenses related to the accident. These benefits apply no matter who caused the crash.
While no-fault coverage helps reduce delays in receiving treatment, it does not compensate for pain and suffering or vehicle damage. Those losses may require separate legal action. Still, the no-fault system is a critical first step for anyone injured in a rear-end accident in Buffalo or anywhere in New York.
First Steps After a Rear-End Collision
The moments after a rear-end collision are often confusing. You may feel shaken or unsure of what to do next. The first priority is always safety and medical attention. Call for emergency assistance if needed and seek an evaluation even if you believe your injuries are minor. Many accident-related injuries, such as whiplash or concussions, are not immediately obvious.
It is also important to notify the police so an accident report is created. This document provides a record of the crash and often becomes important when filing insurance claims.
Once immediate safety concerns are addressed, you should notify your insurance company of the accident. Do this as soon as possible. Early notice protects your right to benefits and prevents disputes later.
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Filing the No-Fault Application
To receive benefits, you must complete an application for no-fault benefits with your insurance company. This form is usually mailed to you shortly after you notify them of the accident. The law requires that you submit this form within 30 days of the crash. Missing the deadline can result in denial of coverage.
The application will ask for details about the accident, your injuries, and any treatment received so far. It is essential to complete it fully and accurately. Be sure to list all medical providers you have seen. Providing incomplete information may cause delays or denials.
Documentation to Support Your Claim
Insurers require proof to process and pay claims. Keep careful records of your medical bills, prescriptions, therapy appointments, and any out-of-pocket costs. If you have missed work, obtain a statement from your employer confirming your wage loss. These documents should be submitted promptly to your insurance company.
In some cases, insurers may request that you attend an independent medical examination. This exam is performed by a doctor chosen by the insurance company. Failing to attend can result in termination of benefits. While these exams are supposed to be neutral, they can sometimes lead to disputes.
The team is very personable, patient and empathetic with their clients. They are upfront with you and will explain the entire process with you, they never lead you to believe otherwise, they tell you like it is and will not sell you a million dollar dream. Trust in Andrews, Bernstein & Maranto, PLLC, they work for you and he looks out for your best interest.”
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Common Problems With No-Fault Claims
The no-fault system was created to make benefits accessible, but many claimants still face problems. Insurance companies may question whether treatment is necessary or whether injuries are related to the accident. Payments may be delayed, and repeated requests for additional information can be overwhelming.
When this happens, it is easy to feel discouraged. Some people stop pursuing benefits even though they are legally entitled to them. Working with a lawyer familiar with New York’s no-fault system can help you enforce your rights and ensure you are treated fairly.
Rear-End Collisions and the Serious Injury Threshold
Although no-fault coverage provides important support, it has limits. You may only step outside of the no-fault system and bring a lawsuit against the at-fault driver if your injuries meet New York’s definition of a serious injury. This threshold includes significant disfigurement, permanent limitation of a body part, or injuries that prevent you from performing your usual daily activities for at least 90 out of the 180 days following the accident.
Meeting this threshold allows you to pursue compensation for pain and suffering and other non-economic damages. In rear-end collisions, common injuries such as spinal damage, traumatic brain injuries, or severe fractures may qualify. Speaking with an experienced personal injury lawyer can help determine whether your injuries meet the standard.
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Why Rear-End Collisions Are Unique
Rear-end collisions are among the most common types of crashes in Buffalo and throughout New York. Winter weather conditions, icy roads, and sudden traffic slowdowns all contribute to these accidents. Although liability for a rear-end collision often falls on the driver who struck the vehicle from behind, the no-fault system requires you to use your own insurance first. This can feel frustrating, but it is how New York law is structured.
Understanding this process early helps you avoid delays in care and allows you to focus on recovery instead of worrying about bills.
How a Lawyer Can Help With No-Fault Claims
While it is possible to file a no-fault claim on your own, many people find the process complicated, especially when dealing with injuries at the same time. A lawyer can help make sure forms are filed correctly, deadlines are met, and benefits are not wrongfully denied. If your case qualifies as a serious injury, your attorney can also pursue a personal injury lawsuit for additional compensation.
Andrews, Bernstein & Maranto, PLLC has extensive experience guiding injured people in Buffalo through the no-fault process. The firm’s attorneys understand how local insurers handle claims and know how to challenge improper denials.
Verdicts & Settlements
Resources Available for Accident Victims
For more insight into how no-fault benefits work and what you can expect after an accident, you can review helpful resources such as Buffalo Car Accident Attorney Discusses a No-Fault Claim and Buffalo Car Accident Attorney Discusses No-Fault Benefits.
You can also access the firm’s Auto Accident Survival Guide and reach out directly through the contact page.
Taking Action After a Rear-End Collision
The most important thing you can do after a rear-end collision in Buffalo is take timely action. Seek medical care, notify your insurer, file the no-fault application within 30 days, and keep detailed records. If your injuries are severe, discuss with an attorney whether you can pursue compensation beyond no-fault.
Andrews, Bernstein & Maranto, PLLC offers free consultations to help you understand your rights and guide you through the process. If you have been injured in a rear-end crash, call (716) 842-1111 today to discuss your case.
