Lo Básico: Qué Es el Sin Culpa
Nueva York is a Sin Culpa auto insurance state. This means that after a accidente de auto, your own auto insurance policy — through its Protección por Lesiones Personales (PIP) component — pays for your medical tratamiento up to a mandatory minimum of $50,000. You do not need to prove fault, file a lawsuit, or pay de su bolsillo to access these benefits.
Who Is Covered
Sin Culpa covers the policyholder and all passengers in the vehicle al momento del accidente. Pedestrians struck by an insured vehicle can claim Sin Culpa benefits through the vehicle's insurance policy. Motorcyclists are not covered by Sin Culpa for their own motorcycle insurance, but may be able to claim through the at-fault driver's policy if struck by an insured vehicle.
Qué Está Cubierto
- All necessary medical tratamiento related to accident injuries
- Lost wages — up to $2,000 per month for up to 3 years
- Transportation costs to medical citas
- Otro reasonable de bolsillo expenses related to the accident
El Plazo de 30 Días
You must submit a completed NF-2 application to su seguro company within 30 days of the accident. Missing this deadline can result in total denial of Sin Culpa benefits — even if your injuries are serious. MAIC's intake team helps all pacientes complete the NF-2 at their first visit.
Call (888) 991-5290 for el mismo día care — MAIC handles all Sin Culpa billing and authorization.