New York is a “No-Fault” insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident. Insureds can be reimbursed for medical costs, lost wages and other losses that might surface after the accident.
The State of New York has done this to ensure that no one gets left out in the cold if they are in an accident with someone who does not have adequate, or any insurance at all. No-Fault insurance coverage, in most cases, will reimburse you up to $50,000 for accident related medical treatment, up to 80% of your lost wages (with a $2,000 a month maximum) and any accident related services that you need such as home help.
The State of New York also requires registered motor vehicles to have liability insurance with certain minimum coverage amounts:
- $25,000/$50,000 for bodily injury per person/ per incident
- $50,000/ $100,000 for death
- $10,000 for property damage per accident
What are the No Fault Benefits you are entitled to?
These are benefits paid by the insurance company of the car you were driving, were a passenger in or were struck by as a pedestrian, regardless of fault as to the cause of the accident. This means that the accident could have been your fault, someone else’s fault or no one’s fault at all. These benefits include payment of medical bills, prescription drugs, lost wages, housekeeping and/or transportation to and from medical providers, all as the result of the accident.
In order to claim these benefits, there are rules that are dictated by your insurance policy as to when you place them on notice of the accident and that you fill out an application to apply for the benefits. There is a very short time, only 30 days from the date of the accident, in order to file an application for these benefits. However, this time limit can be extended under extenuating circumstances. In order to make sure that you abide by all of the insurance companies requirements, you should contact an experienced personal injury attorney after your accident to ensure that all of your rights are protected.
Here at Passalacqua and Associates, we realize each of our clients are different and have different needs, but each client receives the attention they deserve when their rights are being protected. We will investigate your case and come up with a strategy that will put you in the best position to get your life back in order after a debilitating injury. Our attorneys and staff have the experience that is needed to find the people responsible for your accident and hold them accountable. To discuss your case in more detail, please call us at 315-500-NICK (6425) or contact us through our online chat at www.CNYTRIALLAW.com
To continue with the theme from my last post, the New York Times did a study on the benefits of expunging an individual’s criminal record. Although expungement is not available in New York, those convicted of crimes can have their record sealed from the vast majority of potential employers.
The Times found that the consequences of a conviction can last for decades after an individual has been sentenced and done their time. People with criminal records face major barriers to employment, housing and education.
Criminal justice reform, specifically in New York has focused on finding policy tools that can lower these barriers. The most controlling potential device is the expungement of criminal convictions from one’s criminal record. This seals the conviction from public view, removes them from databases, and ends most of their legal effects.
Up to 36 states have laws permitting expungement. Most only allow expungement depending on the number of convictions and the type of crime on commits. The individual usually has to wait years after completing their sentence and go through an elaborate process to have their records cleared. This is very similar to New York’s sealing process, as one has a 10-year waiting period with no criminal conduct to even have his application looked at for sealing.
In February, a bill was introduced in California, allowing automatic expungement of misdemeanors and minor felonies after completion of a sentence. In Utah, an automatic expungement bill is close to passing. These developments follow the first major automatic expungement law, which passed in Pennsylvania last summer.
Even with the landscape shifting toward automatic expungement, the main concern of many is that employers, landlords and others have a public safety interest in knowing the criminal records of those they deal with.
Little to no studies have been put forward to deal with the true effects of expungement. The Times’ study of expungement laws dealt specifically with the state of Michigan. Michigan has an expungement law that uses the traditional nonautomatic expungement approach.
All of the Times’ findings strongly support efforts to expand the accessibility of expungement.
People who got expungements tended to do very well. They found that within a year, their wages go up more than 20 percent. This gain was mostly driven by unemployed individuals finding work and minimally employed people finding sounder positions.
The recidivism rate for those with expungements were found to be at very low rates. The finding was considerably lower than those of Michigan’s general adult population. That may be because expungement decreases recidivism.
Another reason may be that expungement beneficiaries aren’t high risk to start off. Michigan requires a waiting period before expungement (five years after completion of sentence). Research indicated that people with records who go numerous years without another conviction are unlikely to re-offend.
However, barely anyone got expungements. Michigan only grants about 2,500 a year compared to the huge number of criminal convictions per year.
Few people actually met the legal requirements necessary. For those who did qualify, only 6.5 percent received expungements within five years of becoming eligible. Michigan judges have discretion to reject applications, but the bigger reason was over 90 percent of those eligible don’t apply.
Why? Most people don’t even know they can get an expungement, or don’t know how to do it. Many also cannot afford lawyers to advise them throughout the process. The procedure is long and complicated, requiring visits to police stations and courthouses. The fees (In Michigan usually total close to $100, minus transportation and time off work) are a barrier for people of lesser means. Many people with records often had painful interactions with the judicial system, making most want to avoid the situation altogether.
The low rate of applications for expungement is consistent with the difficulties that poor Americans face in dealing with the legal system. When the state makes it too hard or costly for citizens to exercise a right or opportunity, it’s no different from denying that right or opportunity. Most people won’t be able to help themselves without some guidance.
The Times’ research was clear: Obtaining an expungement should be made as simple as possible. States should follow the approach of Pennsylvania and the new California and Utah bills, and make expungement automatic once the legal requirements are met.
The results showed that expungement is a powerful tool for improving outcomes for people with records, without risk to public safety. Lawmakers are going to need to make it much simpler and convenient for people to use that tool and get a new start to life.
I recently ran across an article which I thought was quite interesting and hadn’t realized had been implemented. The Raise the Age Act by Governor Andrew Cuomo was implemented in 2018, but I wasn’t aware that one could apply for a pardon for their crimes during their youth. Here’s the gist of the pardon requirements.
Around 10,000 people will be impacted as New York starts to address a backlog of eligible individuals for pardon. Approximately 350 citizens will be eligible for pardons on an annual basis.
In October of 2019, the First-in-the-nation act will reach all individuals convicted of a misdemeanor or non-violent felony at 17 years old who have been crime-free for ten years.
Cuomo announced that he will use his pardon power to lessen the burden of a criminal conviction for people convicted of non-violent crimes when they were minors, and who have lived crime-free for at least 10 years. This action advances the principles from his Raise the Age Campaign, which calls upon New York to join 48 other states in recognizing that 16 and 17-year-old children do not belong in the adult court system.
This step recognizes that people can move beyond the mistakes they make in their youth. If burdened with a conviction of any kind, these youth may find it extremely difficult for them to find work, get admitted to college, find a place to live, and become licensed in certain occupations. This move allows deserving individuals to move forward with their lives.
By pardoning New Yorkers who have reached the ten-year period crime-free, this step will help those who present little danger to the public. However, the pardon will be on a conditional basis, which means that if a person is reconvicted, their pardon will be withdrawn.
This will affect a significant number of lives. Of 16- and 17-year old’s who committed misdemeanors and non-violent felonies, approximately 10,000 have not been reconvicted after at least 10 years. This means that approximately 350 people convicted as 16- and 17-year olds of misdemeanors and non-violent felonies remain conviction-free after 10 years.
In order for an individual to be eligible for this pardon, they must go through a careful screening process. All people who believe that they qualify for this pardon are invited to apply through the New York State website, ny.gov/services/apply-clemency. After being vetted, agency staff members will make a recommendation to the Governor to grant a pardon if:
- The person was 16 or 17 at the time they committed the crime for which they were convicted.
- At least 10 years have passed since the person was either convicted of the crime or released from a period of incarceration for that crime.
- The person has been conviction-free since.
- The person was convicted of a misdemeanor or a non-violent felony.
- The person was not convicted of a sex offense.
- The person is currently a New York State resident.
- The person has paid taxes on income.
- The person is a productive member their community, meaning that the individual is working, looking for work, in school or legitimately unable to work.
In addition to this general invitation to apply, the Governor will do targeted outreach to candidates for the pardon. Administrative staff will review and attempt to contact those convicted of qualifying crimes committed while they were 16 or 17 and who have stayed conviction-free. They will be informed of their initial eligibility for a pardon and invited to apply, using the website.
This step will tremendously alleviate barriers for people with criminal convictions.
This conditional pardon is a direct advancement to the Raise the Age agenda of Governor Cuomo.
Everyone knows that the winters in Upstate New York can be treacherous for both driving and walking. When you slip and fall on ice, the injuries can be very serious and threaten your ability to earn a living and enjoy your life. If you are one of the truly unlucky, it will involve possible surgery and having to miss work for an extended period of time. If you or someone you know has suffered an injury from a slip and fall on ice due to someone else’s negligence, you need to find an attorney who specializes in premises liability to protect your rights. Someone with experience. Someone who can evaluate your case and your injuries, so as to advise you on what your best course of action is so you receive the compensation you are entitled to.
If a property owner or business doesn’t maintain their premises properly, there can be a build up of snow and ice, which creates an hazardous condition that increases the risk for a slip, trip or fall due to that hazardous condition. In numerous municipalities in New York State, both the city and individual landowners are required to clear their sidewalks of snow and ice. If the property owner doesn’t clear the snow and ice away from their sidewalk, it becomes increasingly more difficult for a person trying to get where they are going while passing by or through their property. To take it a step further, the property owner must undertake a “reasonable” effort to clear the property. The act of just throwing some salt down on an unshoveled sidewalk is clearly not “reasonable”. They must make sure that the walking surface is free and clear of snow and ice and is a safe surface for the person attempting to cross. There are numerous municipalities in New York that set very specific time frames for landowners to clean their walkways following the end of any type of winter storm, including snow, sleet, freezing rain, etc.
In order to prove negligence on the part of a landowner who did not properly maintain their sidewalk, your attorney must prove that the landowner did not take “reasonable” care to clear the sidewalk. Some may ask, “what is reasonable care?” Reasonable care is the level of care that a prudent person would use in the same or similar circumstances. An example would be that after a snow storm, a business owner would send an employee out to shovel the walkway into the store so it is free of snow and then put rock salt down to ensure there is no ice that accumulated under the snow. This is done so a slip free walking surface has been achieved.
What do we have to show to prove the landowner or business was negligent? We will have to prove the landowner or business owed a duty to you to exercise reasonable care. That they breached that duty by not maintaining their sidewalks. That there was actual or constructive notice to the landowner or business that the hazardous condition existed. That the injuries you sustained were caused directly and proximately caused by the landowner’s or business’ breach of the duty owed to you.
If you were to slip and fall on someone else’s property there are a few things you can do to ensure you preserve the evidence needed to prove your case. You should report the accident immediately to the landowner or business. You should take your own photographs of the hazardous condition, as the weather changes rapidly and that same patch of ice may not be there the next day. You should have the person to whom you reported the incident fill out an accident report. Having these things will ensure that vital information is preserved and it can be used to help prove your case.
Once we are able to prove all of the elements of your case, it then becomes our job to help you receive the most compensation possible. In most cases we are able to recover the costs of medical bills, lost wages, pain and suffering and any other related expenses that have been incurred because of your injury. Here at Passalacqua and Associates, we realize each of our clients are different and have different needs, but each client receives the attention they deserve when their rights are being protected. We will investigate your case and come up with a strategy that will put you in the best position to get your life back in order after a debilitating injury. Our attorneys and staff have the experience that is needed to find the people responsible for your accident and hold them accountable.
To discuss your case in more detail, please call us at 315-500-NICK (6425) or contact us through our online chat at www.CNYTRIALLAW.com