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NY Car Accident Law – PIP Claims & No-Fault Insurance in Binghamton

Best Law Firms 2023Levene Gouldin & Thompson is Best Law Firm rated by U.S. News & World Report in 10 areas of law. Combined, our personal injury lawyers have 100+ years of experience and have obtained nearly $40 million in verdicts and settlements since 2010.

Our car accident lawyers help individuals with auto accident insurance and compensation claims in Binghamton, Ithaca and the surrounding areas including Owego and Cortland. Our NY offices are located in Vestal (Binghamton), Ithaca, Deposit, Whitney Point, and our PA office is located in Montrose. Call for a FREE CONSULTATION. 607.763.9200

Latest News: Attorney John Perticone Obtains Max Coverage Under 3 Car Insurance Policies for Binghamton Area Client Who Sustained Serious Back Injuries

PIP Claims After NY Auto Accidents – No-Fault Insurance

Both New York and Pennsylvania are no-fault states. This means that after a car accident, you are eligible for PIP (personal injury protection) benefits regardless of fault. It does not matter who caused the accident. If you are injured, you can make a PIP claim under an applicable car insurance policy.

In New York car accident cases occurring in the Binghamton and Ithaca area, PIP coverage is usually provided to you by the auto insurance company of the car that you were driving, a passenger in or hit by.

For example, a Binghamton resident is injured in a car accident while driving to work in Ithaca. The car accident was caused by a driver who ran a red light. The Binghamton resident sustains serious injuries and needs to make a PIP claim. The PIP claim would be made under the car insurance policy covering their vehicle, not the at-fault driver’s insurance policy.

PIP insurance covers economic losses you sustain in a car accident in NY:

  • medical expenses for treatment for the injuries,
  • lost wages as a result of your inability to work due to the injuries, and
  • other reasonable expenses, such as transportation to and from medical treatment and household help.

PIP Insurance Does Not Cover Pain & Suffering

PIP insurance coverage does not provide compensation for pain and suffering from injuries sustained in a car accident, nor does it provide coverage for property damage. Also, PIP insurance is not available to all injured parties; for example, motorcyclists do not receive PIP coverage. Read more about motorcycle accident compensation.

It is important to speak with a car accident lawyer to see whether PIP insurance applies to you based on your specific circumstances. 

Related Car Accident Case Results in the Binghamton & Ithaca Area

$3 Million Truck Accident in Greene, NY – Our law firm’s client was hit by a semi-truck due to driver distraction.  The client suffered devastating injuries and eventually had to learn to walk again.

$2.7 Million Bus Accident in Binghamton, NY – In this accident case, our law firm successfully proved a highway design defect and helped our client obtain compensaton for severe bus accident injuries.

$1.6 Million Bike Accident, Trial Verdict in Whitney Point, NY – A bicycle rider in Whitney Point was hit by a state trooper’s vehicle causing serious injuries to the rider’s face and head.

How to Make PIP Insurance Claims in the Binghamton & Ithaca Area

  1. If you sustain injuries in a car accident in NY, contact the car insurance company of the vehicle that you were driving, a passenger in or hit by and request a PIP application.
  2. You must complete the PIP application and return it to the car insurance company. You will also be assigned an adjustor from the insurance company that will handle your PIP claim.
  3. Once your application is received and approved by the car insurance company, you will be provided a claim number to give to your medical care providers so they can submit their medical bills for payment to the insurance company. 

NY PIP Benefits – What’s the Benefit Maximum?

In New York, PIP coverage limits will vary depending on the applicable car insurance policy. Some policies provide for additional PIP coverage above the policy limits, called additional personal injury protection coverage.  Therefore, please confirm the available limits with the automobile insurance company providing your coverage. 

Remember, medical bills for auto accident injuries will not be paid by no-fault insurance until the no-fault application is properly completed and returned to the car insurance carrier. 

Binghamton Car Accident Lawyers – PIP or No-Fault Insurance Claims

If you were injured in an auto accident in the Binghamton area and need assistance filing a PIP or no-fault insurance claim, contact the experienced car accident lawyers at Levene Gouldin & Thompson for a FREE, no obligation consultation. 607.763.9200

Levene Gouldin & Thompson, LLP. Since 1927, our firm has been handling serious car accident and injury cases throughout Northeast Pennsylvania, the Southern Tier and Upstate New York including Steuben County, Bradford County, Susquehanna County, Chemung County, Tioga County, Tompkins County, Cortland County, Broome County, Chenango County, Delaware County, Otsego County, Towanda, Norwich, Oneonta, Cooperstown, Corning, Big Flats, Horseheads, Elmira, Ithaca, Spencer Van Etten, Montrose, Athens, Waverly, Owego, Vestal, Endicott, Johnson City, Binghamton and the surrounding area.

Page reviewed and updated: December 13th, 2023