New York is considered a “no fault” state for purposes of automobile accident insurance. This means that, when a Syracuse car accident occurs, the driver of the two cars involved in the accident are reimbursed by their respective insurance companies, such that neither party must prove fault against the other.
There is an important exception to this general rule, however. In situations in which someone suffers a “serious injury” in an automobile accident, there is the possibility of a traditional personal injury lawsuit against the allegedly at-fault driver.
Serious injuries include, but are not necessarily limited to, situations in which the victim is disfigured, suffers a fracture, or has permanent physical limitations due to the accident.