I hate the term no fault, since by itself is misleading. In most cases means that the person who has injuries, then (their own) insurance pays for the medical bills, lost wages etc.
But, negligence (fault) still applies. So, in your case you were found at fault, thus the other lady maybe able to claim an (injury settlement). In NY, to do so must have met a threshold to do so, which means if she had whiplash barred, but a (fracture) per the site attached automatically makes her eligible for a injury settlement later after she has healed.
Now, insurance (follows) the vehicle, which in this case was a bus, thus owned by the bus company or maybe the city. So, (no) they dont file under your own auto policy, since not driving your own car, plus happened while on the job.
Here is another (myth) that many people are not aware of, and that very (few) people get sued due to an auto accident. Most people may hire a lawyer to (represent) them, but most lawyers DONT, sue, they just file a claim on the insurance policy. Only (when) if, the insurance and the lawyer dont agree on a settlement or dispute damages/fault, or if the statute of limitations runs (2 years on average) then you most likely will/could be sued. If, sued, then insurance must provide a lawyer for FREE to defend you.
When anyone sues, it is the (owner/bus) or (owner/car) that is liable, even if they are not driving. But usually they will include both (owner/driver) when they claim on insurance. Insurance cant be sued, since the insurance did not cause an accident, it only pays per the insurance contract.
Once a settlement is reached, then the insurance/other party signs a release, thus the release (forbids) them from coming back in the future (again).
In an injury settlement is (reimbursement) of medical bills, any lost wages, then adds pain and suffering for the injuries due to the auto accident. (now I never handled NY claims, so unknown if they can subrogate-(insurance) for the medical bills or not )
Now the only time you worry about being sued, is if you have the minimum limits and it is not enough to settle which is $25,000/$50,000 or $50,000/$100,000 for death. The 1st number for each is (per person) and the 2nd number is (2 or more ) people injured max paid out.
But since driving for a bus, should not have to worry, since either the city/company would have much more higher limits to pay vs the minimum required by law.
Like they told you, cooperate and do as your company has told you, then they will handle/settle and at that point wont be aware of the settlement/closing of the claim.
No fault refers to medical bills. The medical bills of an injured person are paid for by that person’s auto insurance company within the amount of the coverage and without a need to sue. It has NOTHING to do with responsibility for an accident.
No one gets sued under “no fault” law.
If you are asking who pays for the injuries, the driver and the owner of the vehicle would be sued. It’s the same as in an auto accident. You are driving my car, you are in an accident, we both are sued. “...As long as there’s cooperation” sounds like a threat not to pay under other circumstances, and that’s a crime.
The injured party would receive an award for pain and suffering (medical bills having been paid through no fault). It is highly unusual for that award to be above and beyond the other party’s insurance limits. It does happen, of course, and then the injured party gets a personal judgment for 10 years, renewable for another 10. Again, it is unusual for an award to be above insurance limits, particularly in an accident like this where there are two defendants and the bus company undoubtedly has very ample insurance.
The injured party doesn’t sue for medical bills. Those are covered by no fault. She sues for pain and suffering, and if that equals a million dollars, yes, that would be the amount she would request.
While driving for a company, the company is responsible for any claims arising from driver negligence. The legal theory is respondeat superior, Latin for let the master answer. The driver is legally protected against a personal injury lawsuit when the driver was using the employers vehicle for company business.
This applies to the entire US, not just New York.
1. No fault does not apply. The company gets sued.
3. No fault does not apply. The company insurance covers it and if the company has no insurance, the employee is still legally protected.
If there are any citations, convictions on those will go on the drivers record.
Wow, you are really freaked out and scared. Relax its not likely nearly as bad as you think.
First you are confusing no fault laws. They dont pertain here because you were at fault. I know you dont feel that way, but blind spots do not fall under the no fault category. It wasnt intentional, just an accident. Because you were driving for work, your employer is responsible, not you personally so you need not worry about being sued. Even when you encounter litigious people they all sue the entity with the deepest pockets which means your company, not you.
1. both. plaintiffs attorneys will try for money from every possible source. 2. not likely. the likely settlement with bus companys insurance will also settle with the driver. 3. may depend on details not reported -- what were the women doing when hit by the bus? 4. also depends on same unreported details