14 Aug DOES NO-FAULT CAR INSURANCE COVER NON-ECONOMIC DAMAGES?
Posted By Gruenberg Kelly Della || 14-Aug-2020
If you live in a no-fault state like New York, you can feel secure in the fact that your expenses should be covered in the event of a car accident. Although you will likely receive compensation for your medical bills and property damage if you file a claim with your car insurance company, these are not the only damages that result from a car accident.
Car accidents can cause significant non-economic damages as well. Unfortunately, car insurance policies generally do not provide compensation for non-economic damages. However, there may be another way for you to receive compensation for these damages.
What are Non-Economic Damages?
Non-economic damages are any issues resulting from a car accident (or other incident) that are not financially based. An injury can completely disrupt a person’s way of life; non-economic damages are the emotional and mental stressors that injury victims face.
Some examples of non-economic damages include:
- Pain and suffering
- Emotional distress
- Mental anguish
- Loss of enjoyment of life
- Loss of purpose
Although non-economic damages do not have a monetary value, they are still significant costs that injury victims experience. To determine the amount of compensation that a person will receive for non-economic damages, a percentage is often taken of the financial damages resulting from an accident.
Ways to Recover Compensation for Non-Economic Damages After a Car Accident
It is unlikely that your car insurance policy provides coverage for non-economic damages. This can be disappointing for injury victims who have sustained non-economic damages and expected to receive compensation through their claim, but there are other ways to recover compensation for non-economic damages after a car accident.
Depending on the details of your case, it’s possible that you may be able to file a claim against the at-fault driver to recover additional compensation for non-economic damages. New York is a no-fault state, but this is sometimes an option in cases where the damages caused by a car accident are severe. It’s possible that a third party is partially liable for your injuries. In this case, you may be able to file a claim against them to receive compensation for non-economic damages.
The lawyers of Gruenberg Kelly Della are available to discuss any questions you may have about your car accident claim. We will guide you through your case and protect your rights.
Call (888) 305-6372 or send us a message to schedule a free consultation with our legal team.