INjured in a car accident?
Getting in a car accident can and often does have more than just a physical impact on you; mentally, emotionally and financially, a car accident can be an exhausting event to overcome. Prior to pursuing a personal injury claim if you have been injured in a car accident in New York, it will help to understand some of the rules involved.
If you are going to take legal action after a car crash in New York, here are five important reasons you need a car accident lawyer:
Understanding No-Fault Law
Injuries resulting from a car accident in New York are typically handled under the No-Fault system. The No-Fault laws were created to make certain that regardless of who was responsible for the accident, the insurance company will pay up to a certain capped dollar amount to cover expenses such as loss of earnings and medical expenses.
It is imperative to be aware that you only have 30 days to file a no-fault application with your insurance company. This will ensure that you will be able to be reimbursed for medical expenses, as well as lost wages, and other miscellaneous out-of-pocket expenses that may result from your injuries.
However, in order to take legal action and receive compensation for more substantial injuries, you will need to prove serious injury. A reputable and experienced attorney will help you recover maximum coverage from insurance companies, as well as aid you in filing a lawsuit in which you may be entitled to additional compensation from the responsible parties.
Each state has placed a time limit on how long you have to file a claim after an injury. This time limit, also known as a statute of limitations, is dependent upon what type of claim you are filing.
An experienced and reputable attorney can help you file your claim in a timely manner and help you to receive the maximum compensation you deserve. If an injured party waits too long to contact an attorney, they may lose their right to that compensation, since there are other time limits which may expire.
According to New York law, a driver must operate and control their vehicle in a responsible way. If that driver does not conduct themselves in a responsible manner while operating their vehicle, that driver may be responsible for loss, injury or damage. If negligence is determined, you will be entitled to appropriate compensation. Determining negligence relies on various factors.
Every accident has its own unique set of circumstances which will apply to each case. When a driver behaves negligently and causes injury, the injured party or their family members can seek damages. Personal injury law can be a complex matter when it comes to determining liability and assessing injury. Seeking out eyewitnesses, marks on the road, video footage, traffic light cameras, police reports, and photographs are all factors which need to be taken into consideration. A thorough investigation can help assess liability more accurately.
Dealing with Insurance Companies
After a car crash, your insurance company may attempt to put a limit to your recovery amount including those directly related to your medical costs. Insurance companies may typically cover up to a certain percentage or cap their coverage at a specific dollar amount. While these coverages may be sufficient for minor injuries, they are sometimes not substantial enough to cover what is considered a serious injury.
If you are like most people, dealing with and talking to insurance companies and medical personnel is a cumbersome task. After an injury, you are hurting physically, financially, mentally, and emotionally. The last thing you want to do is speak with anyone or get involved in insurance related red tape.
A reputable attorney and their paralegal staff can and will expertly handle the paperwork, the conversations, the investigation and most importantly, the financial reimbursement you deserve – not only for the accident but potentially for any repercussions foreseeable in the future.
Getting into a car accident and suffering an injury may have a long-lasting impact on your mental and emotional well-being, as well as your future physical health. Your earning capacity may change for the rest of your life, as well. You’ll want a team of experts on your side from the outset.
Since 1987, our team of experienced Personal Injury Attorneys have been helping Long Island car accident victims receive the maximum compensation for their injuries and helping to get their lives back on track. Contact us today at (631) 928-8000 for a free, no obligation consultation with our Attorneys to find out how we can help.