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DESIGNER MOCKUP · amparolawfirm.com homepage · brand tokens locked · placeholder photography
If you were hurt in a New York car accident, the legal landscape is more complicated than you’ve been told.
New York’s no-fault insurance system was supposed to make recovery simple. It didn’t. The 30-day filing deadline is unforgiving. The “serious injury threshold” decides whether you can sue for pain and suffering at all. The available coverage often involves multiple insurance policies stacked on each other — the at-fault driver’s, your own, the rideshare company’s, the commercial vehicle’s umbrella, the MVAIC fund — and most lawyers pursue only the obvious one.
Amparo Law Firm pursues every layer.
Every New York auto insurance policy includes Personal Injury Protection (PIP) coverage — what people call “no-fault.” It’s mandatory, it’s $50,000 per person at minimum, and it pays for medical bills and a portion of lost wages regardless of who caused the accident.
But: you have to file the no-fault application within 30 days of the accident. Miss the deadline and PIP coverage is gone.
PIP covers: medical expenses, 80% of lost wages up to $2,000 per month, and transportation to medical appointments. PIP does not cover pain and suffering, lost wages above the cap, or damages exceeding the PIP policy limit.
Under New York Insurance Law §5102(d), you can only sue the at-fault driver for pain and suffering if your injury meets the “serious injury threshold.” Categories include death, dismemberment, significant disfigurement, fracture, permanent loss of use of a body organ, significant limitation of use of a body function, and a medically determined injury preventing normal activities for 90 of 180 days.
We pursue: the at-fault driver’s bodily injury coverage, your own SUM/UIM coverage, PIP/no-fault, rideshare coverage ($1 million while driver is on a trip), commercial vehicle coverage, MTA coverage, and MVAIC for hit-and-run and uninsured-driver accidents.
A lawyer who pursues only the at-fault driver’s policy leaves money on the table. We don’t.
We represent injured people in rear-end collisions, head-on collisions, intersection crashes, hit-and-run, drunk driving accidents, distracted driving, Uber and Lyft accidents, taxi accidents, MTA bus accidents, motorcycle accidents, pedestrian accidents, bicycle accidents, and truck accidents.
Uber and Lyft each carry $1 million in liability coverage that applies when the driver has accepted a trip. The rideshare companies don’t volunteer this. We make sure the right policy gets pursued.
Pedestrians struck in NYC crosswalks and cyclists hit by vehicles have specific protections. NYC’s Vision Zero laws and traffic regulations matter — a violation by the driver is often powerful evidence.
Bob Amirian’s federal-court training shapes how we develop a record even in state court. The cases we build look like federal cases: tight pleadings, organized discovery, clear theories of liability, expert reports that hold up.
Damages include medical expenses past and future, lost wages and future earning capacity, pain and suffering, loss of consortium, and wrongful death damages where applicable.
Prior results do not guarantee a similar outcome.
Same New York personal injury damages categories. Cycling injuries can generate substantial damages because of severity.
Prior results do not guarantee a similar outcome.
If you were hurt in a New York car accident, the legal landscape is more complicated than you’ve been told.
New York’s no-fault insurance system was supposed to make recovery simple. It didn’t. The 30-day filing deadline is unforgiving. The “serious injury threshold” decides whether you can sue for pain and suffering at all. The available coverage often involves multiple insurance policies stacked on each other — the at-fault driver’s, your own, the rideshare company’s, the commercial vehicle’s umbrella, the MVAIC fund — and most lawyers pursue only the obvious one.
Amparo Law Firm pursues every layer.
Every New York auto insurance policy includes Personal Injury Protection (PIP) coverage — what people call “no-fault.” It’s mandatory, it’s $50,000 per person at minimum, and it pays for medical bills and a portion of lost wages regardless of who caused the accident.
But: you have to file the no-fault application within 30 days of the accident. Miss the deadline and PIP coverage is gone.
PIP covers: medical expenses, 80% of lost wages up to $2,000 per month, and transportation to medical appointments. PIP does not cover pain and suffering, lost wages above the cap, or damages exceeding the PIP policy limit.
Under New York Insurance Law §5102(d), you can only sue the at-fault driver for pain and suffering if your injury meets the “serious injury threshold.” Categories include death, dismemberment, significant disfigurement, fracture, permanent loss of use of a body organ, significant limitation of use of a body function, and a medically determined injury preventing normal activities for 90 of 180 days.
We pursue: the at-fault driver’s bodily injury coverage, your own SUM/UIM coverage, PIP/no-fault, rideshare coverage ($1 million while driver is on a trip), commercial vehicle coverage, MTA coverage, and MVAIC for hit-and-run and uninsured-driver accidents.
A lawyer who pursues only the at-fault driver’s policy leaves money on the table. We don’t.
We represent injured people in rear-end collisions, head-on collisions, intersection crashes, hit-and-run, drunk driving accidents, distracted driving, Uber and Lyft accidents, taxi accidents, MTA bus accidents, motorcycle accidents, pedestrian accidents, bicycle accidents, and truck accidents.
Uber and Lyft each carry $1 million in liability coverage that applies when the driver has accepted a trip. The rideshare companies don’t volunteer this. We make sure the right policy gets pursued.
Pedestrians struck in NYC crosswalks and cyclists hit by vehicles have specific protections. NYC’s Vision Zero laws and traffic regulations matter — a violation by the driver is often powerful evidence.
Bob Amirian’s federal-court training shapes how we develop a record even in state court. The cases we build look like federal cases: tight pleadings, organized discovery, clear theories of liability, expert reports that hold up.
Damages include medical expenses past and future, lost wages and future earning capacity, pain and suffering, loss of consortium, and wrongful death damages where applicable.
Prior results do not guarantee a similar outcome.
Call (212) XXX-XXXX or use the form. We respond within hours, in English, Spanish, or Farsi.
