07/20/2019 Auto Accidents in New York
In New York, we have no-fault law, which
provides for payment of medical bills, time lost from work, and other
incidental expenses. These payments are made without regard to who was at fault
for the accident. New York is one of 12 states with a no-fault insurance
program. No-fault automobile insurance is intended to cover injuries you suffer
because of the accident as long as you were not under the influence of drugs or
alcohol, or involved in other criminal behavior.
Your own insurance company will pay for
your personal injuries up to the limits of your policy. You will not have to
file a lawsuit against the other party’s insurance company in order to pay for
medical expenses, and other damages, including lost earnings. You can call your
insurance carrier and file a claim.
If you were involved in a collision, you
must report it as soon as possible to your insurance company. In order to claim
no-fault benefits, you must report the collision within 30 days. Your insurance
company will start an investigation of your case, and a claims adjuster will
get in touch with you. The adjuster will likely ask you for a copy of the
police report, take pictures of your automobile, call the other motorists,
speak to any witnesses to the accident, request that you sign a medical release
form to look over your records, call your health care professional, and ask you
to obtain estimates regarding damage to your vehicle.
How
to handle settlement offers
After conducting an investigation of your
accident, in all likelihood, the insurance company will try to arrive at a
settlement agreement with you. However, do not feel compelled to accept any
settlement offers from your insurance company. If you are unable to reach a
settlement, you have the option to file a lawsuit.
You also have the right to sue for personal
injury damages in excess of no-fault coverage. For instance, you can file a
lawsuit claiming the following losses:
1.
Medical expenses and other
financial losses in excess of $50K
2.
Pain and suffering if you
sustain an injury that results in considerable disfigurement, a fracture, or
other types of significant injury as set forth under the no-fault law
3.
Injury resulting in a fatality
If you suffered an injury in a motor
vehicle accident, call the personal injury attorneys at Rosenberg &
Rodriguez. They will conduct an investigation into the facts of your case, and endeavor
to obtain the maximum amount of damages
to compensate you for your loss.
Source
http://www.state.findlaw.com
http://statelaws.findlaw.com/new-york-law/your-new-york-car-accident-the-basics.html
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