Car accidents in Suffolk County often leave victims confused about who is responsible for medical bills, lost wages, and vehicle repairs. Unlike many other states, New York follows a no-fault insurance system, which significantly impacts how claims are handled after an accident.
At the Law Offices of Steven Gacovino, P.C., we guide accident victims through the no-fault process to ensure their rights are protected. Our team offers a free, confidential consultation, and you pay nothing unless we win. Call 844-692-1200 today to speak with an experienced Suffolk County auto accident lawyer.
What No-Fault Insurance Means in New York
Under no-fault rules, your own insurance company is required to cover:
- Medical expenses (up to policy limits)
- A percentage of lost wages
- Certain out-of-pocket costs
This applies no matter who caused the accident. However, no-fault insurance does not cover property damage or pain and suffering unless specific thresholds are met.
When You Can Step Outside the No-Fault System
Victims may file a lawsuit outside of no-fault if they suffer:
- Permanent disability
- Disfigurement or scarring
- Loss of bodily function
- Wrongful death
In these cases, you may pursue full compensation for pain, suffering, and financial damages.
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Common Misunderstandings About No-Fault Insurance
Many accident victims assume:
- The at-fault driver always pays (not true under no-fault)
- They can wait months to file paperwork (deadlines are strict)
- Their insurer will automatically offer full coverage (many claims are underpaid or denied)
Having a lawyer ensures these mistakes don’t cost you valuable compensation.
How We Protect Your Claim
At the Law Offices of Steven Gacovino, P.C., we help clients:
- File all correct paperwork after a car accident
- Avoid common mistakes after a car accident
- Understand their rights in Nassau County auto accidents
- Determine how much a car accident case is worth in New York
- Learn about the statute of limitations for personal injury in New York
We take on the insurance companies, fight denials, and ensure victims receive every dollar they deserve.
Call our Suffolk County auto accident lawyers for a Free Consultation
If you’ve been in a Suffolk County car accident, don’t wait until it’s too late to protect your rights. Call the Law Offices of Steven Gacovino, P.C. at 844-692-1200 for a free, confidential consultation. We work on contingency, which means you pay nothing unless we win.
For more details on New York’s no-fault insurance rules, see the New York State Department of Financial Services – No-Fault Insurance.
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