New York is a “no fault” state for purposes of automobile accident claims. While “no fault” does not mean that a negligent driver can never be held liable for a Syracuse car accident caused by his or her failure to act in a reasonably prudent manner, it does require an injured individual to first look to his or her own insurance coverage in relatively minor accidents.
When the provisions of no fault apply, each person’s own insurance company should pay his or her medical expenses, lost wages, and other costs relating to a motor vehicle accident.
In order to take a car wreck case outside the each-party-pays-their-own-expenses concept of the no fault law, an injured person must be able to prove that he or she suffered a serious injury. Examples of such an injury include fractures and broken bones, disfigurement, disability, and limitation of the use of part of the body.