What is No Fault Insurance

Car and truck accident

No fault Car Insurance is simply insurance coverage provided to people who are involved in car accidents and or who are involved in accidents that involve the operation of a motor vehicle,

For example, a driver or passenger in a car crash, an accident with a truck, a pedestrian struck by a car or truck, a bicyclist hit in the bike lane by a car or truck.

For example, if you are the driver or a passenger of a car or truck involved in an accident. In that case, you are entitled to No Fault insurance coverage through the vehicle you were in, irrespective of whether that vehicle is at fault or not at fault for the accident, hence the name No Fault.

What does No Fault insurance provide?

No-fault insurance generally provides up to and including $50,000 in insurance coverage.

That $50,000 can be used to pay for your medical treatment, including all necessary doctors and hospital bills and other health service expenses.

It also covers 80% of your lost earnings, up to a maximum monthly payment of $2,000 per month for up to three years following the accident.

In addition, it includes up to $25 per day for one year from the date of the accident for any reasonable unnecessary out of pocket expenses.

These may include transportation expenses to and from your medical providers, to and from the hospital and it may also include the cost of hiring a housekeeper to help with daily activities.

Finally, in the event of a death as a result of a car or truck accident, it provides a $2,000 death benefit payable to the estate of a covered person under the

No fault insurance, in addition to the $50,000 coverage for economic loss described above.

There may be additional benefits on top of what is described above if the policy that the owner of the vehicle took out has endorsed to include optional basic economic loss and or additional personal injury protection coverage.

However, in general, No fault insurance provides up to and including $50,000 in insurance coverage as a result of being injured in a car or truck accident.

It is important to seek the representation of an experienced personal injury attorney if you have been involved in a car or truck accident or were struck as a pedestrian or bicyclist.

Here at the Law Offices of Darren T Moore, our firm has the experience of dealing with No fault cases on a daily basis and dealing with personal injury accidents that result from car and/or truck accidents.

Helmet and bike lying on the road on a pedestrian crossing.

If you or a loved one has been involved in a car or truck accident or was struck as a pedestrian or bicyclist, contact the Law Offices of Darren T Moore today for a free consultation to see if you are entitled to No fault benefits and to see if you have the potential to bring a third-party claim for your injuries.

Do you need a personal injury lawyer? Do not wait! Contact us on

(917) 809-7014 or info@injurylawatty.com

For more information on this please visit the Auto Insurance website .


The Law Offices of Darren T. Moore PC Has Been Nominated and Accepted as a 2020 AIOPIA’S 10 Best Law Firm in New York For Client Satisfaction

The American Institute of Personal Injury Attorneys has recognized the exceptional performance of New York’s Personal Injury Law Firm, Law Offices of Darren T. Moore PC as 2020 10 Best Personal Injury Law Firm for Client Satisfaction.

The American Institute of Personal Injury Attorneys is a third-party attorney rating organization that publishes an annual list of the Top 10 Personal Injury attorneys in each state. Attorneys who are selected to the “10 Best” list must pass AIOPIA’s rigorous selection process, which is based on client and/or peer nominations, thorough research, and AIOPIA’s independent evaluation. AIOPIA’s annual list was created to be used as a resource for clients during the attorney selection process.

One of the most significant aspects of the selection process involves attorneys’ relationships and reputation among his or her clients. As clients should be an attorney’s top priority, AIOPIA places the utmost emphasis on selecting lawyers who have achieved significant success in the field of Personal Injury law without sacrificing the service and support they provide. Selection criteria therefore focus on attorneys who demonstrate the highest standards of Client Satisfaction.

We congratulate the Law Offices of Darren T. Moore PC on this achievement and we are honored to have their firm listed as a 2020 AIOPIA 10 Best.

You can contact Law Offices of Darren T. Moore PC directly at 917-809-7014.

What Is Uninsured Motorist (UM) Coverage?

If you are injured in a car accident, you know that potentially you have a claim for compensation against the at-fault driver’s insurance policy. That compensation can include money for pain and suffering, past and future medical expenses and possible loss of earnings.

Unfortunately, In certain cases, people end up involved in an accident with a vehicle that has no insurance or they’re involved in a “hit and run” accident where the driver flees the scene of the accident without leaving their insurance information, that is, if they even had any insurance in the first place. According to the Insured Research Council (IRC), approximately 1 in 8 motorists (13.0%) in the United States in 2015 were uninsured. That percentage has been steadily increasing since it reached a record low of 12.3 in 2010. New York is widely recognized as one of the most accident-prone states in the United States shockingly an estimated 13.8% (1 in 7) of those motorists are uninsured.

The IRC also estimated in 2017 that the total bill for American motorists is approximately $12 billion per year. This sum excludes the cost to taxpayers of legal claims filed against uninsured drivers that aim to revoke their licenses or compel them to pay fines. A CBS News report from 2017 also estimated that uninsured drivers across the U.S. add $67 annually on average to an ordinary policyholder’s bill. This is significant given how high yearly premiums for auto insurance plans have become in recent years (over $900 in some cases).

What do I do if I’m involved in an accident with an uninsured vehicle?

Often, you won’t know immediately if the vehicle involved is uninsured so you should do what every person should do when involved in a car accident:

  • Get medical attention
  • Call the police – THIS IS CRUCIAL – you must alert the police of your accident within 24 hours in order to be entitled to uninsured motorist benefits.
  • Take photographs and/or videos of the damage done and any injury sustained, e.g. bleeding, cuts, scars
  • Obtain contact information for any witnesses to the incident

If it is established that the vehicle that caused your accident was uninsured, you are entitled to file a claim with your insurance company for UM (Uninsured Motorist) benefits. It’s important to note that filing a UM claim will not go against you nor should it lead to an increase in your premium. UM coverage is afforded to every driver in the State of New York who operates an insured vehicle and is there to protect our drivers from careless, reckless and dangerous drivers who operate vehicles without insurance. It’s important to seek the advice and direction of an experienced car accident attorney in Manhattan.

Speak To A Car Accident Attorney 

If you have been injured in a car accident, as stated above, be sure to seek medical attention immediately. This is important to do even if you haven’t sustained a serious injury (e.g. a bone fracture or severe disfigurement) as neck or back pain and other symptoms may not arise until several days after your accident. Shock and adrenaline can kick in immediately after an accident so it is important to be safe than sorry, go to the ER or even an urgent care to get checked out if you feel you have sustained any injury. Afterward, contact a reputable personal injury attorney in New York. The Law Offices of Darren T. Moore PC in New York can assist you extensively after such a setback. Our car accident attorneys take great pride in being there for our clients at what can be their hardest hour. Our car accident attorneys in Manhattan, New York will:

  • File your No-Fault application
  • File the application for Uninsured Motorist Arbitration with the American Arbitration Association
  • Represent you at your examination under oath
  • Take care of providing the insurance company with all the medicals and authorizations that they are entitled to, in order for them to evaluate the claim.

Again it is important to reiterate and emphasize that in order to bring an Uninsured Motorist (UM) claim against your own insurance company, you must alert the police of your accident within 24 hours. To receive no-fault benefits and have your insurance cover your medical expenses (including an Emergency Room visit if this applies), be sure to file a No-Fault application within 30 days of your accident.

Call the car accident attorneys at the Law Offices of Darren T. Moore PC for free today at (917) 809-7014 or contact us online for more information and a free consultation.  Our motto is “MOORE JUSTICE” and we seek to accomplish this for everybody.

Reasons To Hire A Car Accident Attorney In New York City

Car Accident Attorney Lawyer in New York

According to the New York City Police Department there were 228,047 car accidents in 2018 across the metropolitan area. New York City is a vibrant, fast paced city and from dawn to dusk, it’s crowded with traffic, pedestrians, motorists and cyclists to name a few. For these reasons, accidents involving cars, cyclists, and pedestrians can and do happen, anywhere and at any time. Even when we try our best to exercise caution, an accident can occur. If you or a loved one has been injured in a car or pedestrian accident in New York City, then you’ll need the experience of a highly trained car accident attorney in New York. That is why the Law Offices of Darren T. Moore are the trusted car accident law firm in New York, because they will fight for the compensation and rights you are entitled to. If you’ve been involved in a car accident, it’s important that you consult a car accident attorney.

First and foremost, if you or a loved one are involved in a car accident, the most important thing to do is to look after your physical well-being. That may include calling the EMS, receiving treatment from the EMS and going to the nearest ER or urgent care facility. Your health is your wealth so take care of your physical well-being at all times.

Make sure that you notify the police about the incident and this enables the police to generate a police report. If you can, make sure to take pictures of the vehicles involved and any damage done to the vehicles. Lastly, if you can, obtain the contact details for any witnesses that are present.

Car Accidents Need To Be Properly Documented

As above, gathering information and what we call the “evidence” at the time of the incident is crucial and that is one of the reasons why calling the police and EMS is very important as they will also diligently document all the necessary information related to the incident.

After gathering this information and getting immediate medical attention, one of the reasons you should call an experienced car accident attorney is to assist you in filing a “No-Fault” application.

What is No-Fault?

New York State follows a “no-fault” insurance system. In the event of a car accident, irrespective of whether you have personal insurance or insurance through your job, you are entitled to No Fault insurance coverage through your car insurance – that is the car you were in at the time of the car accident – irrespective of which vehicle is at fault for the accident. Through the No-Fault Insurance policy on the vehicle you were in at the time of the accident, you are entitled to receive coverage for all medical treatment and partial payment for lost time from work up to a maximum of $50,000. The purpose of the No fault protection is to protect motorists, bicyclists and pedestrians irrespective of fault and to obtain such coverage you don’t have to prove the other driver or driver’s negligence in order to collect benefits. 

Cost of car accident related injuries can be costly, and some injuries depending on the severity can lead to more chronic problems for victims, including disability or sometimes even death. 

Once your application is filed with the insurance company, your EMS and ER bill will be covered and you can then proceed to receive the medical treatment, care and diagnostic testing that you need to help you throughout the recovery process and if applicable, payment for lost earnings for the time you are out of work.

This is also where the experienced car accident attorneys and firm of The Law Offices of Darren T Moore can help. Our office prides itself on helping car accident victims and guiding them along the path to recovery. This can include referring you or your loved one to the right doctor and/or specialist and making sure that you know that your not alone on this path. We can assist with filing for and obtaining lost wages, making sure that your medical bills are covered and also, where necessary, arranging for home health care and assistance.

The complexities, deadlines and procedural requirements involved means that the risks are too great for you not to seek the professional expertise of a car accident attorney. If you’ve been injured in a car accident, our professional attorneys at The Law Offices of Darren T. Moore will help to make sure you have complied with all the deadlines and requirements.

Don’t Let Yourself Be Taken Advantage Of! 

If you or your loved one has been injured as a result of a car accident, you should reach out to The Law Offices of Darren T. Moore for a free consultation. Our professional and highly trained car accident attorneys will help you every step of the way with your case, to ensure you get the justice you deserve. 

Our Motto is “MOORE JUSTICE!” 

And if you don’t believe us, simply take a look at our reviews and testimonials on our website, Google and Avvo. 

Call us today at (917) 809-7014.