Insurance Person Explaining Policy
As vehicle owners on Long Island know, it is necessary to obtain and maintain minimum levels of automobile insurance coverage. In addition, New York is a no-fault car insurance state, which means there are limited options for obtaining coverage for lost wages and medical expenses if an accident occurs. Given these complicated rules, the best way to protect your rights if you have been injured in a car accident is to work with the right attorney.

The Law Offices of Robert Purzak is a premier personal injury law firm serving clients in Nassau and Suffolk Counties. We are knowledgeable about New York’s no-fault insurance law and have a proven history of helping car accident victims obtain the full value of their claims. If you or a loved one has been injured in a car accident, we will take the time to explain all of your rights, thoroughly review your insurance policy and explore all of your options for coverage.


What are the minimum auto insurance coverage requirements in New York?

Vehicle owners must carry the following minimum amounts of automobile insurance:

  • $25,000 liability coverage for bodily injury per person
  • $50,000 total liability bodily injury coverage per accident
  • $10,000 liability coverage for property damage per accident
  • $50,000 in no-fault (personal injury protection) coverage, and
  • Uninsured Motorist Coverage (for bodily injury sustained by you) subject to the same minimums

It is important to note that if you are found responsible for causing a car accident, and the injured drivers’ and/or passengers’ losses exceed these limits, you may be held personally liable and be forced to make up the difference out of your own assets.

How does no-fault car insurance work?

Under New York’s no-fault insurance law, you must file a claim with your own insurance carrier to obtain compensation for lost wages and medical expenses, regardless of who is at fault for the accident. Under the law, no-fault claims must be filed within 30 days of the accident. Our legal team can help with the claims process, handle all the details with the insurance company, and help you obtain the maximum compensation you deserve.

It is important to remember that the no-fault car insurance system applies solely to injuries, not vehicle damage claims. Such claims — including those for the total loss of a vehicle – are made against the at-fault driver, without limitations.

In sum, your own personal injury protection coverage pays for medical treatment and other out-of-pocket losses incurred by anyone covered under the policy, up to coverage limits, regardless of who caused the accident.

To file a personal lawsuit against the at-fault driver, you must be able to prove that (1) you incurred a basic economic loss greater than $50,000 or (2) you sustained a serious injury. A serious injury is defined as a personal injury that results in one of the following:

  • Death
  • Dismemberment
  • Significant disfigurement
  • Fracture
  • Loss of a fetus
  • Permanent limitation of use of a body organ or member
  • Significant limitation of use of a body function or system
  • Substantially full disability for 90 days during the 180 days immediately following the accident

Determining whether an injury meets this definition requires working with a knowledgeable car accident attorney. We will take the time to investigate the circumstances of your accident and determine if you have grounds for a lawsuit.

Why Choose the Law Offices of Robert Purzak

For over 35 years, we have provided car accident victims with first-rate legal representation. We have handled no-fault claims involving all the major insurance carriers and believe that insurers have an obligation to fulfill the terms of insurance policies. We leverage our legal knowledge and negotiating skills to make sure our clients obtain the full value of their claims. We also have a proven track record of successfully pursuing personal injury lawsuits on behalf of individuals who have sustained a serious injury.

Regardless of the value of your claim, we will fight tirelessly to protect your rights. We will handle all dealings with the insurance company, and make sure you receive compensation that will allow you to get back on your feet. After a car accident, you may be confused and angry and not know where to turn. Remember, the Law Offices of Robert Purzak is here to help. Please contact our office as soon as possible to set up a free consultation. We handle all car accident cases on a contingency basis, which means that you will not pay any attorneys’ fees until we settle or win your case. We help the injured throughout Long Island, including the towns of Brentwood, Coram, Deer Park, Hempstead, Islip, Roosevelt, and Wyandanch.