If you have been injured in a motor vehicle accident in New York, the no-fault insurance law plays an important role in your settlement. New York is one of 12 states that follow the no-fault system. This means that your own insurance company will pay for damages in an accident, regardless of fault. No-fault laws are intended to simplify the claims process and reduce personal injury lawsuits. They provide a quick way to resolve claims and offer quick payments for damages.
A no-fault insurance claim, also called a Personal Injury Protection claim (PIP claim) pays for legitimate economic losses up to $50,000 per person to cyclists, pedestrians, drivers and passengers. It can cover ambulance expenses, medical bills, prescription drugs, diagnostic tests, therapeutic services and lost wages. If the expenses exceed $50,000, you can either apply for additional no-fault (additional PIP) benefits or consider other policies such as your health insurance, Medicare or Medicaid program, umbrella policies or federal Social Security disability benefits.
The New York no-fault policy does not cover pain and suffering damages or property damages. However, there are ways to claim these damages, as explained below:
If you have suffered serious or life-altering injuries in a motor vehicle accident, you can sue the negligent driver’s insurance for “non-economic” damages such as pain and suffering and loss of consortium. The state’s “serious injury” threshold includes:
If you have suffered property damage as a result of the accident, you can also pursue a claim against the at-fault driver for the cost of repairing or replacing the vehicle.
No-fault insurance coverage protects the policy owner or a family member in the same household. It applies to any driver, pedestrian, passenger or cyclist injured by a motor vehicle in New York. In order to qualify for no-fault coverage the following conditions must be met:
The steps involved in filing a no-fault claim involve:
If you or a loved one has been injured in a motor vehicle accident in the Bronx, NY, get in touch with motor vehicle accident attorneys at Dervishi Law Group, P.C. We have extensive experience in handling all types of motor vehicle accident claims throughout New York State. Call us at 917-300-0797 or 718-619-4525 or fax us at 718-484-4758. You can also email us at firstname.lastname@example.org.
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There are important steps to take at the scene of a car accident and soon afterward. Following these basic first steps will make filing your claim easier. The car accident lawyers at Dervishi Law Group, P.C.outline the steps to take after a car accident:
Stay at the accident scene
Do not leave the accident scene. Leaving the scene, particularly when someone has sustained injuries or has been killed, will result in serious consequences. Stay at the scene until the police tell you that you can leave.
Call the police
Even in a minor accident, it is advisable to involve the police. Ask the police to file a report and obtain the names and badge numbers of the responding officers.
Get the name, contact number, address, driver’s license number, and other basic information from the other driver involved. If there are any passengers, get their names, contact numbers and addresses.
Talk to witnesses
Talk to people who witnessed the accident. Make sure to get their names, contact numbers and addresses. Their testimony can play an important role in the claims process.
Inform your insurance company
Inform your insurance company. Tell them exactly what happened and about the extent of your injuries. Explain the facts clearly.
Keep track of your medical treatment
Keep a detailed account of the treatment or medications you receive from a doctor, physical therapist or other medical professionals. Keep copies of all medical reports and bills as these can serve as evidence of your medical expenses.
Take photographs of the damage to your car. Photographs can help your insurance adjuster determine compensation for the damage to your car.
Use caution in discussing the incident.
Do not discuss the accident with anyone other than your lawyer, your insurance company and the police. Avoid talking to a representative of another insurance company.
Be cautious about early settlement offers
If you are offered a settlement from an insurance company, do not accept it and consult with an attorney.
If you have been injured in a car accident, contact the lawyers at Dervishi Law Group, P.C. to help you file a claim. We specialize in personal injury cases. You can depend on our knowledge and expertise when it comes to representing a client with a personal injury matter. Call us at (917) 300-0797 or(718) 619-4525 or email us at email@example.com.