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Ruth Brown, a dedicated bus driver with a passion for traveling, crocheting, and discovering new foods, never expected her routine day at work to take a life-changing turn. While on the job, Ms. Brown’s bus was struck by another vehicle, leaving her shaken and uncertain about what to do next. Determined to understand her legal options, Ms. Brown reached out to the trusted attorneys at Hill & Moin, LLP.

From the moment she stepped into their office, Ms. Brown felt supported. The attorneys carefully walked her through a clear and compassionate game plan for her personal injury case. Ms. Brown appreciated how informative the team was, especially their commitment to keeping her in the loop every step of the way.

Thanks to the dedication and hard work of Hill & Moin, Ms. Brown’s case was successfully settled for $850,000. With her settlement in hand, Ms. Brown is now excitedly considering a new car and embracing the future with confidence. She describes the team at Hill & Moin as feeling “like family” and didn’t hesitate to leave a glowing 5-star review. “I’d recommend Hill & Moin to everyone—I wouldn’t even think twice,” Ms. Brown says.

Her story is a testament to what’s possible when compassionate legal care meets determined advocacy.

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At Hill & Moin LLP, our mission has always been to stand up for the people who are too often overlooked — and that mission was never clearer than in our recent victory on behalf of a young elevator trainee who suffered a catastrophic injury on the job.

During the height of the COVID-19 pandemic, our client — a newly hired apprentice in the elevator industry — was working at a job site when he fell from a ladder due to unsafe conditions. In an instant, a promising career and a young man’s physical future were jeopardized. He had been eager to learn, willing to work, and was showing up to a dangerous site in the middle of a global crisis — all in pursuit of a better life.

Instead, he faced surgeries, chronic pain, and mounting medical bills.

Hill & Moin LLP immediately took on the case, knowing that this client didn’t just need a lawyer — he needed advocates. Our legal team conducted a thorough investigation, bringing in top-tier experts in workplace safety, vocational rehabilitation, and orthopedic injury. Despite the pandemic disrupting court schedules, insurance timelines, and even medical access, we kept the case moving forward with urgency and precision.

We fought back against efforts to minimize his injuries and discount his future earning potential. We refused to let him be treated as expendable or “too inexperienced” to matter. Through aggressive negotiation and ironclad case development, we secured a settlement exceeding $5 million — a result that will allow our client to live with dignity and receive the care he needs for the rest of his life.

This outcome wasn’t just about money. It was about recognition — that an apprentice matters just as much as a foreman. That safety is a right, not a privilege. That when someone gets hurt because of negligence, we will hold the responsible parties accountable — no matter how large or well-defended they are.

What set this case apart was not only the result, but the way we approached it. At Hill & Moin, we take a personal interest in our clients’ recovery — not just legally, but emotionally. We knew our client was scared, in pain, and unsure of his future. We made sure he never had to wonder what came next.

This case is proof that you don’t have to go it alone. Whether you’re a seasoned professional or just starting out, we treat every client like family — because that’s what they deserve.

If you or someone you know has suffered a serious workplace injury, especially as an apprentice or trainee, contact Hill & Moin LLP today. Let us help you build a safer, more secure future.

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If you’ve ever been in a car accident in New York, you probably remember the chaos: the screech of brakes, the sudden jolt, and the scramble to figure out what happens next. In those confusing moments, a term you may hear tossed around—perhaps for the first time—is no-fault insurance. It sounds reassuring. But what does it actually mean? And more importantly, how does it affect you?

At Hill & Moin LLP, we’ve spent decades helping accident victims navigate the maze of insurance claims and personal injury law in New York. No-fault insurance is one of those topics that comes up often—and understandably so. It’s a unique system, and like many things in the legal world, it has its nuances.

Let’s walk through what no-fault insurance really is, how it works in New York, and what you need to watch out for if you’ve been injured in a car accident.

What is No-Fault Insurance?

New York is one of just a handful of states that follows a no-fault insurance system. Essentially, it means that after a car accident, your own insurance company pays for your basic medical expenses, lost wages, and other reasonable costs—regardless of who caused the crash.

Yes, you read that right. Even if the other driver ran a red light, your insurance provider steps in to cover certain expenses. The system is designed to speed up the compensation process and reduce the number of lawsuits clogging up the courts.

But here’s the catch: no-fault doesn’t cover everything, and it doesn’t mean you can’t sue. We’ll get to that in a bit.

What Does No-Fault Insurance Cover?

Under New York’s no-fault law, your insurance company (not the other driver’s) must pay for certain “basic economic losses.” This includes:

• Medical bills: doctor visits, hospital stays, surgery, medication, rehabilitation, and more.
• Lost wages: up to 80% of your lost earnings, capped at $2,000 per month for up to three years.
• Out-of-pocket expenses: transportation to medical appointments, household help, and other reasonable costs related to your injury.
• A $2,000 death benefit: in tragic cases where someone dies as a result of the accident.

All of this is subject to a $50,000 limit per person, unless you’ve purchased additional coverage. These benefits are often referred to as Personal Injury Protection (PIP) coverage.

Importantly, no-fault insurance does not cover damage to your vehicle, pain and suffering, or expenses above the policy limit. Those are addressed separately, often through lawsuits or other insurance claims.

Who is Covered Under No-Fault?

New York’s no-fault law applies to:

• Drivers and passengers of insured vehicles
• Pedestrians struck by a car
• Cyclists, in some cases

It doesn’t apply to:

• Motorcyclists (a key exception)
• People injured while committing a felony or fleeing police
• Accidents outside of New York (with some exceptions)

If you’re unsure whether you’re covered, it’s best to speak with a knowledgeable personal injury attorney—like someone from our team at Hill & Moin—who can review your case and offer clear guidance.

What Happens After an Accident?

After an accident, time is of the essence. New York’s no-fault system has strict deadlines:

• You must file a no-fault application within 30 days of the accident. Miss this window, and you could lose your right to benefits.
• Medical providers must submit bills within 45 days of treatment.
• Lost wage claims must be submitted every 30 days with proof of disability.

These rules can feel overwhelming when you’re already dealing with pain, confusion, and disruption to your daily life. But missing a deadline can jeopardize your claim—and that’s where we often step in to help.

We recommend reviewing our What Makes a Good Case? guide to get a sense of how to preserve your rights early in the process.

Can You Still Sue the At-Fault Driver?

Here’s where things get interesting. While no-fault insurance covers basic economic losses, it doesn’t compensate you for pain and suffering or serious, long-term injuries. For that, you may need to file a personal injury lawsuit against the at-fault driver.

But under New York law, you can only sue if your injuries meet the “serious injury threshold”. What does that mean?

The law defines a serious injury as:

• A fracture
• Significant disfigurement
• Permanent limitation of a body organ or member
• Significant limitation of use of a body function or system
• Full disability for at least 90 of the 180 days following the accident

It’s not always clear whether an injury qualifies. For example, a herniated disc may not sound serious at first, but it can lead to chronic pain and missed work. In cases like these, our team carefully examines the medical evidence to determine whether your injury meets the legal criteria.

Common Pitfalls to Avoid

We’ve seen countless cases where well-meaning people unintentionally hurt their own claims. Some common mistakes include:

• Waiting too long to see a doctor
• Failing to file the no-fault application in time
• Downplaying injuries to insurers
• Posting about the accident on social media

Insurance companies—yes, even your own—may look for ways to deny or minimize your claim. That’s why it’s so important to document everything, follow medical advice, and speak to an attorney as soon as possible.

A Real-Life Story: Maria’s Case

Maria was a home health aide driving to a client’s apartment in Queens when another car rear-ended her at a stoplight. At first, she felt fine—just a little shaken. She didn’t go to the hospital. But over the next few days, her neck stiffened and the headaches started.

She finally saw a doctor and learned she had a cervical disc injury. By the time she filed her no-fault application, the 30-day deadline had passed. Her lost wages weren’t covered. Worse, her injury worsened, requiring physical therapy and injections.

When Maria came to Hill & Moin, we helped her gather the medical records and documentation needed to pursue a claim against the at-fault driver. Ultimately, she received a settlement that covered her pain and suffering and gave her a financial cushion while she healed.

When to Call an Attorney

If you’ve been in a car accident in New York, don’t try to figure this out alone. Between the tight deadlines, complex definitions, and insurance red tape, it’s easy to feel lost. That’s where we come in.

At Hill & Moin LLP, we take pride in helping real people—like Maria—get the care and compensation they deserve. We treat every case with compassion and tenacity, because we know how much is at stake.

Your story matters. Let us help you tell it—and fight for the outcome you need.

Call us today at (212) 668-6000 or schedule a free consultation.

External Sources Used:

• NY Dept. of Financial Services – PIP Basics
• NY Senate Law – Serious Injury Threshold
  

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TV, a Brooklyn resident with a love for travel, was enjoying a walk through her neighborhood on a summer day when she suddenly tripped and fell on an uneven sidewalk. In severe pain and uncertain about what to do next, TV sought legal guidance to understand her rights. She turned to the trusted attorneys at Hill & Moin, LLP for help.

At Hill & Moin, LLP, the legal team carefully explained the steps needed to move her case forward through litigation. Recognizing the importance of clear communication, the staff made sure that everything was interpreted in TV’s native language so she could fully understand and feel comfortable throughout the process. TV appreciated how helpful and supportive the entire team was.

In the end, thanks to the firm’s dedicated work, TV was awarded $375,000 for her injuries. Now that her case has settled, she’s looking forward to taking a well-deserved vacation and visiting her son in Las Vegas. TV described her experience with Hill & Moin as a good one and proudly gave the firm a 5-star rating.

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NK, a Brooklyn resident and compassionate home care worker, dedicates her time to helping others and volunteering in her community. Her life took an unexpected turn when, during a visit to her family, she tripped and fell on a defective sidewalk. Emergency services were called and promptly treated her injuries, but NK knew she needed legal support to navigate what came next.

Seeking guidance, NK contacted the attorneys at Hill & Moin, LLP. From the start, the team was attentive and informative, taking the time to explain the legal process and what to expect. NK was consistently updated on the progress of her case and felt supported every step of the way.

Thanks to Hill & Moin’s dedication and expertise, NK was awarded $140,000 for her injuries. She described her experience with the firm as excellent, gave them a 5-star rating, and says she would confidently recommend their services to anyone in need of legal help.

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While commuting through downtown Manhattan on a scooter, a Ukrainian man was struck in a crash that dramatically altered his life. A routine ride quickly turned into a significant ordeal when a truck collided with his scooter, causing serious injuries to his hips and legs. The physical pain and long recovery were compounded by uncertainty and the emotional toll of the accident. Amid the chaos, P.V. carefully searched for the dedicated legal support required to move forward.

From the initial contact with Hill & Moin, he experienced capable and compassionate legal assistance. The attorneys approached the case with urgency and care, treating every aspect with the seriousness it warranted. The legal team conducted a thorough investigation, kept P.V. informed throughout the process, and ensured that his concerns and voice were heard during every phase of the legal proceedings. Their work extended beyond paperwork—they prioritized treating P.V. with respect with proper legal translation from the firm’s paralegals. P.V. expressed appreciation for the firm’s superb translation services and unwavering attentiveness—qualities that earned Hill & Moin a five-star rating for client service. While expressing his involvement with Hill & Moin, he stated no changes were necessary for a better experience.

Every step of the way, the bilingual team ensured that P.V. clearly understood his rights, the legal proceedings, and the medical documentation necessary to build a strong case. With the firm’s support, P.V. secured a proper and meaningful settlement. The outcome represents an important step forward towards resolving the pain and suffering incur on that fateful day. P.V. plans to use the settlement funds to continue medical treatment and physical therapy, as lingering health challenges from the accident remain. His goal is to regain full mobility and reclaim the quality of life that was disrupted on that difficult day.

Hill & Moin is proud to have played a role in P.V.’s pursuit of justice and healing. The firm’s attorneys fight for every client with the same commitment and compassion as they would for their own family. His resilience and determination serve as an inspiration to the entire team. Hill & Moin extends sincere gratitude for the trust placed in their services and wishes P.V. continued recovery, strength, and success in all future endeavors.

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New York City’s skyline is built by the hands of hardworking construction workers, but with such a demanding industry comes an increased risk of serious injuries.

Whether you’re working on a high-rise, road project, or small-scale renovation, accidents can happen in an instant – often leaving workers with devastating consequences. If you have been injured on a construction site, knowing the right steps to take can protect your health, legal rights, and financial future.

At Hill & Moin, we are skilled at helping injured construction workers get the compensation they deserve. Here’s a step-by-step guide on what to do after a construction site accident in NYC.

1. Seek Immediate Medical Attention

If you are injured on a construction site, call 911 and request medical assistance. Your health and safety should always come first.

Even if your injuries seem minor, seeking immediate medical attention is essential. Some injuries, such as concussions or internal bleeding, may not present symptoms right away but could become serious over time.

Medical treatment matters because it:

• Ensures you receive the necessary care to prevent complications
• Creates a medical record that links your injuries to the accident
• Provides documentation to support workers’ compensation or personal injury claims

2. Report the Injury to Your New York Construction Site Employer or Supervisor

New York law requires that workplace injuries be reported as soon as possible. Failing to report an injury in a timely manner may jeopardize your ability to file a workers’ compensation claim.

How to report a construction site injury:

1. Notify your supervisor, site manager, or employer as soon as possible
2. Provide written documentation, such as an incident report, detailing how the accident occurred
3. Keep a copy for your records

If your employer fails to document your report, send a written notice via email or certified mail to create a paper trail.

3. Gather Evidence From the Accident Scene

If you are physically able, collecting evidence from the scene of the accident can strengthen your case.

Key evidence to collect:

• Photos and videos: Capture images of the hazardous conditions that led to your injury. This can include unsafe scaffolding, defective equipment, or a lack of safety measures.

• Witness information: Get the names and contact information of coworkers or bystanders who witnessed the accident.

• Equipment and safety violations: Note any lack of safety gear, malfunctioning machinery, or failure to follow Occupational Safety and Health Administration (OSHA) guidelines. Fall protection in construction is the most violated safety standard by OSHA.

• Site conditions: Note any missing warning signs, unstable structures, or unsafe working conditions.

If you are too injured to gather evidence, ask a trusted coworker or family member to do so on your behalf.

4. File a Workers’ Compensation Claim

In New York, most construction workers are entitled to workers’ compensation benefits if they are injured on the job. This provides coverage of medical expenses and lost wages regardless of who was at fault.

How do you file workers’ comp? You must file a Workers’ Compensation Employee Claim (Form C-3) with the New York Workers’ Compensation Board. This can be done online or by mail.

You have a limited period of time from the date of injury to file, but it is recommended that you file as soon as possible.

5. Avoid Speaking to Insurance Adjusters Without Legal Counsel

Insurance companies often try to minimize payouts or deny personal injury claims altogether. Be cautious when speaking with adjusters, and never accept a settlement offer without consulting an experienced construction accident attorney.

Some key things to avoid:

• Giving recorded statements without legal guidance
• Accepting a quick settlement before knowing the full extent of your injuries
• Signing documents or waivers without understanding your rights

Your personal injury lawyer can handle all communications with the insurance company to ensure you aren’t pressured into accepting a low settlement offer.

6. Determine If You Have a Third-Party Personal Injury Lawsuit

While workers’ comp covers medical bills and a portion of lost wages, it does not usually cover other damages, such as pain and suffering. However, you may be eligible to file a personal injury lawsuit against a third party if negligence is involved.

Liable parties in construction accidents may include:

• General contractors and subcontractors: If they failed to follow safety regulations

• Property owners: If hazardous conditions on the site contributed to the injury

• Equipment manufacturers: If defective machinery or tools caused the accident

• Other companies: If another subcontractor’s negligence led to your injury

Labor laws 240 and 241 in New York protect construction workers, especially in cases involving falling from heights, scaffolding accidents, or unsafe conditions. A personal injury lawyer can assess whether you qualify for a lawsuit based on negligence.

7. Keep Medical Records and Follow Your Treatment Plan

Insurance companies and defense attorneys may try to downplay your injuries or argue that they were not caused by the construction accident. In this case, keeping detailed medical records is imperative to proving your claim.

It is recommended to:

• Attend all follow-up appointments and follow your doctor’s advice
• Keep copies of medical reports, test results, and treatment plans
• Track out-of-pocket expenses for prescriptions, physical therapy, and medical devices.

Failing to follow medical advice can weaken your case and give insurance companies a reason to deny or reduce your compensation.

8. Hire an Experienced New York City Construction Accident Lawyer

Navigating a construction accident claim in NYC can be challenging, especially if you are dealing with medical recovery and financial stress. Hiring a skilled construction accident lawyer can make all the difference in the outcome of your case.

A personal injury lawyer can help you:

• Understand New York’s compensation laws: New York has some of the strictest worker protection laws in the country. A skilled construction accident lawyer will understand these regulations and how to use them to your advantage.

• Investigate and gather evidence: Proving liability in a construction accident case requires strong evidence. Your lawyer will conduct a thorough investigation and gather evidence such as surveillance footage, witness statements, and expert testimony.

• Maximize your compensation: Many workers mistakenly believe that workers’ compensation is their only option for financial recovery. Your lawyer will explore all possible sources of compensation, including personal injury lawsuits and third-party claims.

• Avoid employer retaliation: Some workers fear that filing a claim could result in retaliation from their employers. However, NY law protects workers from being fired or discriminated against for seeking compensation. Your personal injury lawyer will protect your rights and take legal action if your employer tries to retaliate against you.

Most NYC construction accident lawyers work on a contingency fee basis, meaning you don’t pay anything unless you win your case. This allows injured workers to get top-tier legal representation without worrying about upfront legal fees.

Protecting Your Rights After a NYC Construction Accident

Suffering an injury on a construction site can be overwhelming. Taking the right steps immediately afterward can make a significant difference in your recovery and legal options.

The legal team at Hill & Moin understands the complexities of New York’s construction accident laws. We are committed to helping injured workers secure the compensation they deserve.

With our law firm on your side, it’s like “having a lawyer in the family.” We don’t just handle cases – we support people through some of their most challenging times.

If you or a loved one has been injured on a construction site, don’t wait. Contact Hill & Moin today for a free consultation, and let’s explore your Personal Injury Recovery SolutionsⓇ together. 

Don’t wonder about your rights!

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CK is a loving mother who enjoys cooking and spending quality time with her young son. One morning, on her way to school, her day took a devastating turn when another vehicle suddenly sideswiped her car. The impact left her shocked and injured, requiring immediate medical attention. She was rushed to the emergency room, where she was treated for multiple injuries. The experience was overwhelming, and CK didn’t know where to turn for help.

Thankfully, CK was referred to the experienced attorneys at Hill & Moin, LLP. From the very first conversation, the team made her feel supported and informed. They explained her legal options clearly and kept her updated throughout the entire process. “They were outstanding,” CK shared, emphasizing how much she appreciated their constant communication and dedication. With their help, CK’s case was resolved successfully, and she received a $650,000 settlement.

Now on the road to recovery, CK is looking forward to brighter days ahead. She plans to take her son on a relaxing Caribbean vacation—a much-needed break after such a difficult journey. The settlement has brought her both peace of mind and a sense of justice. Reflecting on her experience, CK is deeply grateful for the support she received. When asked to rate Hill & Moin, she gave them a confident five stars.

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Xavier Martinez had a routine scooter ride turn into a nightmare when he was struck by another driver, suffering painful injuries to his leg and knees. The road to recovery was long—but thankfully, he didn’t have to go through it alone. He needed a legal team that would fight for him and ensure he was compensated fairly—not just for his medical bills, but for his pain, suffering, and long-term recovery. The attorneys at Hill & Moin took on the case with urgency and care, digging into the details, communicating regularly with the client, and making sure he felt heard and supported at every step. From the moment he contacted the firm, they made it their mission to support him not just as legal representatives, but as people who truly cared about his well-being.

He later described his experience with them as excellent and gave us a 5 out of 5 rating for our service—a reflection of the hard work, dedication, and compassion our team strives to deliver in every case. Beyond the legal work, what meant the most to Xavier was the courtesy and professionalism of our staff. From the front desk to the legal team, every interaction made a positive impression. He felt respected, informed, and—most importantly—valued.

Thanks to the team’s efforts, we were able to secure a settlement that went beyond what he expected. He told us he plans to use the money to buy a car for his wife and make improvements to their home in the Dominican Republic—a meaningful step forward after an incredibly difficult time.

We are deeply grateful for this client’s trust and proud to have played a role in helping him move forward. His story is a testament to the power of strong legal representation, and the importance of choosing a team that puts people first. When someone places their trust in us after a traumatic event, we take that responsibility seriously. If you or someone you know has been injured in a motorcycle accident, don’t face the aftermath alone. Contact Hill & Moin today. We’ll fight for the compensation you deserve—and the peace of mind you need.

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FC, who enjoys crafting and gardening in her free time, suffered a fall on a defective sidewalk in front of a school in Brooklyn after visiting family members. The incident left her with hand injuries, prompting her to seek legal help to understand her options for compensation.

She contacted the attorneys at Hill & Moin, LLP, who clearly explained the legal steps involved and helped her feel confident in pursuing her case. FC appreciated how easy it was to make appointments and noted the firm’s flexibility in working around her schedule, which made the process much less stressful.

Thanks to the dedication and hard work of the legal team, FC received her settlement. She was extremely satisfied with the outcome and rated Hill & Moin, LLP five stars. With the case behind her, FC is now looking forward to treating herself—possibly with a special vacation or a beautiful piece of jewelry.

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