{"id":314,"date":"2021-05-19T11:17:54","date_gmt":"2021-05-19T15:17:54","guid":{"rendered":"https:\/\/www.materalaw.com\/?page_id=314"},"modified":"2025-07-21T16:21:58","modified_gmt":"2025-07-21T20:21:58","slug":"que-es-el-seguro-sin-culpa-y-como-funciona","status":"publish","type":"page","link":"https:\/\/www.materalaw.com\/es\/what-is-no-fault-insurance-and-how-does-it-work\/","title":{"rendered":"\u00bfQu\u00e9 es el seguro sin culpa y c\u00f3mo funciona?"},"content":{"rendered":"<div class=\"row\"  id=\"row-60031272\">\n\n\t<div id=\"col-900868692\" class=\"col medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h1>What Is No Fault Insurance and How Does It Work?<\/h1>\n<p><b>Were you injured in a motor vehicle accident in New York? Many people contact us and ask &#8220;what is no fault insurance&#8221; and want to know how it impacts their personal injury case. Watch this video by dedicated New York injury attorney Michaelangelo Matera to learn more. If you still have questions, schedule a free consultation today.<\/b><\/p>\n<div class=\"video video-fit mb\" style=\"padding-top:56.25%;\"><p><iframe loading=\"lazy\" title=\"What Is No Fault Insurance and How Does It Work? | Suffolk County Injury Lawyer\" width=\"1020\" height=\"574\" src=\"https:\/\/www.youtube.com\/embed\/gySedqseNXM?wmode=transparent&amp;rel=0&amp;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<\/div>\n<a href=\"\/contact-us\/\" class=\"button primary expand\"  style=\"border-radius:99px;padding:0px 50px 0px 50px;\">\n\t\t<span>REQUEST A FREE CONSULTATION<\/span>\n\t<\/a>\n\n<p>Any time in New York state an individual is involved in an accident, there is what&#8217;s called no fault insurance coverage. No fault insurance coverage is part of everybody&#8217;s insurance policy, and it&#8217;s designed so that you don&#8217;t have to go through the hassle of dealing with the other offenders insurance company. You go through your own no fault coverage which is attached to your own insurance policy.<\/p>\n<p>It&#8217;s very important to keep in mind that all claims for coverage under the no-fault law have to be filed with your own carrier within 30 days of the date of the accident, or you risk losing getting that coverage. At that point in time, all your medical bills and other expenses that are related to the accident that occurred would be covered by the no fault insurance carrier.<\/p>\n<p>When people are facing difficult legal situations what matters is results. At The Matera Law Firm, we have over 25 years of experience helping people when they need it most. That commitment has allowed us to generate a record of success that includes obtaining millions of dollars for our clients. If you or someone you love is in need of an experienced <strong><span style=\"font-family: 'Calibri',sans-serif;\"><a href=\"https:\/\/www.materalaw.com\/personal-injury-attorneys-in-long-island-ny\/\">personal injury lawyer<\/a><\/span><\/strong>, contact us today for a free confidential consultation to learn more about no fault insurance coverage. We proudly serve <strong><a href=\"https:\/\/www.materalaw.com\/suffolk-county-injury-attorneys-and-criminal-defense-lawyers\/\">Suffolk County<\/a><\/strong>, <strong><a href=\"https:\/\/www.materalaw.com\/nassau-county-injury-attorneys-and-criminal-defense-lawyers\/\">Nassau County<\/a><\/strong>, Long Island, <strong><a href=\"https:\/\/www.materalaw.com\/brooklyn-injury-attorneys-and-criminal-defense-lawyers\/\">Brooklyn<\/a>, <a href=\"https:\/\/www.materalaw.com\/manhattan-injury-attorneys-and-criminal-lawyers\/\">Manhattan<\/a>, <a href=\"https:\/\/www.materalaw.com\/bronx-injury-attorneys-and-criminal-defense-lawyers\/\">Bronx<\/a>, <a href=\"https:\/\/www.materalaw.com\/queens-injury-lawyers-and-criminal-defense-attorneys\/\">Queens<\/a>, <\/strong> and throughout New York State.<\/p>\n<p>Follow us on <a href=\"https:\/\/www.facebook.com\/The-Matera-Law-Firm-248997331839081\/\">Facebook<\/a>!<\/p>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1171884344\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<ul class=\"sidebar-wrapper ul-reset\"><aside id=\"text-13\" class=\"widget widget_text\">\t\t\t<div class=\"textwidget\"><p><a href=\"https:\/\/www.materalaw.com\/video-library\/\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-55458 aligncenter\" src=\"https:\/\/www.materalaw.com\/wp-content\/uploads\/2025\/05\/Video-FAQs.png\" alt=\"\" width=\"600\" height=\"172\" srcset=\"https:\/\/www.materalaw.com\/wp-content\/uploads\/2025\/05\/Video-FAQs.png 600w, https:\/\/www.materalaw.com\/wp-content\/uploads\/2025\/05\/Video-FAQs-18x5.png 18w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f9-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"9\">\n<div class=\"screen-reader-response\">\n<p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\">\n<ul><\/ul>\n<\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/pages\/314#wpcf7-f9-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"9\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f9-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><br \/>\n<\/fieldset>\n<p><center><\/p>\n<h3>FREE CONSULTATION<br \/>\n\t<\/h3>\n<p><\/center><\/p>\n<p>Fill out the form below to request a free confidential consultation with Matera &#038; Manley.<br \/>\n\t<center><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span><br \/>\n\t<\/center>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"tel-545\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Your Phone Number\" value=\"\" type=\"tel\" name=\"tel-545\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"How Can We Help?\" name=\"your-message\"><\/textarea><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner button\" type=\"submit\" value=\"Submit Request\" \/>\n<\/p>\n<p><input\n                    class=\"apbct_special_field apbct_email_id__wp_contact_form_7\"\n                    name=\"apbct__email_id__wp_contact_form_7\"\n                    aria-label=\"apbct__label_id__wp_contact_form_7\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/p>\n<div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t<\/aside>\t\t<aside id=\"flatsome_recent_posts-17\" class=\"widget flatsome_recent_posts\">\t\t<span class=\"widget-title \"><span>Latest Posts<\/span><\/span><div class=\"is-divider small\"><\/div>\t\t<ul>\t\t\n\t\t\n\t\t<li class=\"recent-blog-posts-li\">\n\t\t\t<div class=\"flex-row recent-blog-posts align-top pt-half pb-half\">\n\t\t\t\t<div class=\"flex-col mr-half\">\n\t\t\t\t\t<div class=\"badge post-date  badge-outline\">\n\t\t\t\t\t\t\t<div class=\"badge-inner bg-fill\" style=\"background: url(https:\/\/www.materalaw.com\/wp-content\/uploads\/2026\/04\/Suffolk-County-Car-Accident-Attorney-FAQ-FREE-Consultation-280x280.png); 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Michaelangelo is competent and professional- this guy knows his stuff.He explained in great detail exactly how my case would be handled and what I should expect. The fees were EXTREMELY affordable. The office staff were always accommodating and knowledgeable.Phones calls were always returned PROMPTLY and personally by Michaelangelo or the office staff. I HIGHLY recommend the Matera Law Firm.\",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Mr. Steven Blair\",\"datePublished\": \"2020-08-09\",\"description\": \" If you are looking for an attorney to get your challenge rectified, look no further. Mr. Matera knows his profession quite well and I wouldn't think twice to use him again and I refer him on a regular basis.\nTwo thumbs up for his staff as well!\",\"name\": \" The Matera Law Firm \",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Greg Rubenacker \",\"datePublished\": \"2015-01-02\",\"description\": \" great knowledge and gives you a full understanding of everything \",\"name\": \" The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \"Christian Zimmerman.\",\"datePublished\": \"2020-06-07\",\"description\": \"Michael is absolutely amazing as is his staff! He is not only a spectacular attorney, but he is a wonderful human being. His professionalism transcends words and he makes you feel cared for and is wonderful at putting your psyche at ease. Moreover, his connections and abilities in the courtroom is where Michael Matera truly shines through. In nearly 40 years of life, I have never needed an attorney and when I recently found myself in need of one, he came highly recommended from multiple sources. I would and I intend on, referring Michael to anyone in need of an attorney who has your best interest at heart and will fight for you for every inch. I also wanted to state that Mr. Matera is available and accommodating anytime I need to speak with him. I hope this review helps anyone and everyone who is in need of someone to stand up and fight for you when you make a mistake and need someone in your corner. Thank you again, Michael, you really are a top notch lawyer and person. \",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Halid Meskovic.\",\"datePublished\": \"2020-10-08\",\"description\": \"Mr. Matera has helped me in my case that got dismissed. Matera was also successful in my car accident case I had. He always answered all my calls and any questions I had. Matera is an aggressive lawyer, very professional and polite. Thank you for everything.\",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \"Travis Mazur \",\"datePublished\": \"2020-09-09\",\"description\": \"Called to schedule a consultation took my information never heard back I then filled out their form on the website after a week again no response.\n:::update::: Funny how within 2 hours of me posting a negative review I quickly got a response \",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"1\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Meagan Chi.\",\"datePublished\": \"2019-06-09\",\"description\": \" My total experience with the firm was excellent, from the first placed call to the office and then with Mr. Matera. I was treated with kindness & concern. Most importantly, I was treated with respect. The staff of the firm are very polite, competent and they work fast! I was treated not just as a client, but as a friend, taking the time to often update on the case, or just to say hello. In my opinion, nothing needs to change. I was very pleased and satisfied with my choice of this law firm.\",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \"BLC PT PC\",\"datePublished\": \"2019-06-09\",\"description\": \"Mike Matera and his team are some of the most amazing, caring lawyers out there. I can't say enough good things. Honest, reliable, professional, and get the job done. Thank you, Matera Team!\",\"name\": \" The Matera Law Firm \",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Melissa Miller.\",\"datePublished\": \"2019-06-08\",\"description\": \" I was severely injured in a car accident and unable to work. It was one of the worst experiences of my life. I never thought that I would find such a compassionate and selfless human being as my attorney, Michael Matera. He has gone far beyond what I could have expected. He is always there to pick up my call or text back at any time when I needed his guidance. It is rare that you find an attorney that is truly there for his client and not just the compensation. If you are the victim of an accident, Michael Matera is there for all of your legal needs and will do what ever is possible to get what is fair and due to you. \",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \" Guen Partisala.\",\"datePublished\": \"2015-01-02\",\"description\": \" My needs were put first by Mike Matera and his team, was treated as a friend rather than a number. My opinions were valued and my doubts were always reassured. He fought hard to ensure a great outcome. Couldn\u2019t have asked for a better law firm or attorney. \",\"name\": \"The Matera Law Firm\",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},\n{\"@type\": \"Review\",\"author\": \"Best Gestly\",\"datePublished\": \"2019-06-09\",\"description\": \"I went to him for a case he explained to me the whole process and how the law works. He seems very knowledgeable, I'll give more details when my case is closed.\",\"name\": \" The Matera Law Firm \",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"3\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \"Hope Becco\",\"datePublished\": \"2018-06-08\",\"description\": \"Maters is awesome he puts the right time and effort into your case and doesn't do it just because that's his job he does it because he genuinely cares . Matera is a great person and I've recommended him to several people and he of course won their cases.I would recommend Matera to just about anybody . I promise you won't regret choosing him\",\"name\": \" The Matera Law Firm \",\"reviewRating\": {\"@type\": \"Rating\",\"bestRating\": \"5\",\"ratingValue\": \"5\",\"worstRating\": \"1\"}},{\"@type\": \"Review\",\"author\": \"Julia DeBellis\",\"datePublished\": \"2018-06-07\",\"description\": \"Brian Murphy is informative, attentive, thorough and just the best. 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