Your insurance plan is a cost-sharing agreement between you and your insurance company. In general, many insurance companies cover the costs of preventive care year-round, such as checkups, vaccinations, etc. Contact your agent, broker, or insurance company for help answering these letters, or contact the DMV directly for information on how to handle such preventive care correspondence. You have the right to sue another party involved in the car accident for pain and suffering, only if you suffered a “serious injury” as defined in the Insurance Act.
The purpose of no-fault insurance is to restore the health and productivity of people injured in car accidents as soon as possible. While your auto liability insurance policy provides coverage for all passengers in your vehicle injured in an accident caused by driver negligence, it most likely doesn't provide any liability coverage when the injured passenger is your spouse, unless you contract liability complementary conjugal. Sure. In addition, your insurance company must provide you with a legal defense against such claims, without reducing the liability limits of your policy.
It also provides coverage for passengers injured in accidents in New York State while in their vehicle, as well as for guest passengers who are residents of New York State injured in their vehicle anywhere in the United States, its territories and possessions, or in Canada, if not covered by another car. Insurance policy in the state of New York. New York State requires us to bill a no-fault insurance company for all care related to car accidents. In most cases, your doctor should also be on the list of doctors who take out your insurance, which is called a network.
With coinsurance, instead of paying a fixed amount each time you get medical care, you may have to pay a percentage of the total costs. Because of New York's no-fault law, car accident lawsuits can only be filed for economic losses that exceed no-fault benefits and for non-economic damages (such as pain and suffering) only if you suffer a serious injury (as defined in the Insurance Act). If you have questions about what and how much your insurance company covered, you should contact them directly. For a small additional fee, this coverage for uninsured drivers can be extended to provide coverage for out-of-state accidents through endorsement, so you should check with your agent, broker, or insurer if you want this extension of coverage.
Insurers must inform the DMV about information about everyone they insure motor vehicle insurance, such as cancellations, renewals, and issuance of new policies. Suing another party would be a personal action and does not involve your insurance company under the provisions of your policy.