In New York State, no-fault insurance refers to the insurance on a motor vehicle that covers the occupants if they are injured in a collision.
The benefits in New York under the no-fault coverage include lost wages up to 80% and payment of medical bills, including doctor and hospital bills, physical therapy bills, and prescriptions required because of the injuries.
Also, household help is covered to a certain extent.
To obtain these benefits, you must apply for no-fault within 30 days of the accident.
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