T.W. was hit in a Brooklyn crosswalk. She called with four days left on a clock she'd never heard of.
Where the no-fault clock stood when T.W. first called
From first call to filing the application and connecting with an attorney
“I don't even own a car. I figured insurance had nothing to do with me.”
Crossing with the light on Atlantic Avenue
T.W. was crossing with the signal at an Atlantic Avenue intersection when a turning car hit her. She landed on her knee and wrist. The driver stopped, the police came, and she went to the ER that night.
No calls and no forms, just bills
For T.W. the pressure was the silence, not a pushy adjuster. She doesn't own a car, so she assumed no insurance applied to her. Nobody sent her a form. The ER bill arrived anyway, then the follow-up bills, and she was getting ready to put them on a credit card.
“Nobody tells you a walker can file on the driver's insurance. Nobody. I found out with four days to spare.”
Four days left on a 30-day clock
On the free review we walked through her situation: a pedestrian hit by a car is generally covered by the driver's no-fault insurance, and the application is generally due within 30 days of the crash. Her crash was 26 days old. We flagged the deadline, explained which insurer gets the form, and talked through whether her knee injury was worth an attorney's look at New York's serious injury threshold.
She asked to be connected with an independent New York attorney the same week. No fee unless they win for her.
The filing made it in time
The no-fault application went in before day 30, so her crash-related medical bills were covered instead of landing on a credit card. The attorney handled the injury claim from there.
The part worth remembering is the near miss: four more days of assuming insurance wasn't for pedestrians, and her own coverage could have slipped away. T.W. paid us nothing.
Prior results do not guarantee a similar outcome.
“One call answered questions I didn't even know I was supposed to ask.”
Prior results do not guarantee a similar outcome. Every case is different. These stories are general information, not legal advice or a prediction about your case.
