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GEICO Not Providing Enough Coverage? Here's What You Need to Know.

GEICO Not Providing Enough Coverage? Here's What You Need to Know.

April 29, 2021
Paul Ajlouny

Obtaining Compensation After You Are Seriously Injured in a Car Accident

When you are seriously injured in a car accident, it can be confusing and frustrating trying to figure out how to get full and fair compensation for your losses. Depending on your injuries, you may be unable to work and end up with medical bills costing tens of thousands of dollars. When an insurance company refuses to cover all of your damages, you need an attorney you can trust.

At Ajlouny Injury Law, our attorneys help car accident victims throughout New York City obtain the maximum recovery for their case. We offer free legal advice to injury victims and have recovered millions for our clients. If you have been seriously injured in an auto accident, contact our office for a free consultation at (718) 233-3913.

New York’s No-Fault Coverage

Motorists in the State of New York are required to carry liability insurance and “no-fault” coverage. The mandatory minimum amount of “no-fault” coverage is $50,000. Some motorists opt to have more coverage than is required by law.

The $50,000 no-fault coverage is designed to cover you in the case of injuries sustained during a car accident. A claim can be filed directly through your insurance provider, whether it is GEICO or another company.

What Happens If Your Losses Exceed the No-Fault Coverage Amount?

When your losses exceed the $50,000 limit available under basic no-fault insurance coverage, you can either apply for additional no-fault benefits or seek coverage through your health insurance. In cases where you are seriously injured, you may pursue a personal injury lawsuit against an at-fault driver. 

New York law has a strict standard for what is considered a “serious injury.” It is always in your best interest to consult with an experienced car accident attorney if you are seriously injured or your loved one is killed in an auto accident. Furthermore, an attorney can help if your insurance company or the other person’s insurance denies your claim or fails to fully cover your losses.

New York Serious Injury Requirement

Generally, an injury victim is entitled to basic economic losses of up to $50,000, including compensation for medical expenses, lost earnings, and other reasonable expenses. However, when someone is seriously injured in a car accident, they may be able to pursue a lawsuit against a responsible party for losses exceeding that amount.

Pursuant to Section 5102 (d) of the New York Insurance Code, serious injury includes any injury that results in:

  • Death;
  • Dismemberment;
  • Significant disfigurement;
  • Fracture;
  • Loss of a fetus;
  • Permanent loss of use or limitation of a body organ, function, or system;
  • Any injury or impairment that prevents a person from performing their normal daily activities for at least 90 of the 180 days following the accident.

Seriously Injured in a Car Accident? Contact Our Office.

If you have been seriously injured or lost a loved one in a New York car accident, contact our office for a free consultation. We can help you pursue litigation against an insurance company that has denied your claim or failing to provide full coverage after your accident. Call Ajlouny Injury Law at (718) 233-3913 to get started.

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The Law Office Of Ajlouny Injury Law serves New York City, Queens, Brooklyn, Bronx, Manhattan, Long Island, Nassau County, and Suffolk County.

Disclaimer: The information provided on our website is attorney advertising not legal advice nor a lawyer/client relationship.

26 Court Street
Brooklyn, New York 11242
(718) 233-3913
320 Old Country Road
Garden City, NY 11530
(516) 535-5555
138-25 31st Drive
Flushing, NY 11354
(718) 475-5666
55 Broadway, 23rd Floor
New York, NY 10006
(212) 252-2081