If you are involved in a motor vehicle accident in the course of your employment, New York State provides No-Fault Benefits in addition to Workers’ Compensation Benefits. No-Fault Benefits are provided by the insurance company for the vehicle you are riding in. There are exceptions to this rule and other coverages may also apply depending on your particular circumstances. Workers’ Compensation benefits are primary. This means that the Workers’ Compensation carrier pays medical and lost wage benefits first. No-Fault Benefits are secondary. Because an auto accident is often the result of the negligence of a “third-party” (not your employer or co-worker), the law allows you to bring a separate civil lawsuit against the negligence party. This is referred to as a “third-party action.” Contact us right away for assistance. Any delay could negatively affect your rights.