If you’ve been involved in a car accident, you’ll want to speak to a car accident lawyer to make sure you get the compensation you deserve. There are several important things to consider, including how much your injuries will cost, how to negotiate with the insurers, and how to identify your losses.
No-fault insurance law in New York
The No-Fault insurance law in New York allows injured people to sue the at-fault party for pain and suffering. Those who are involved in a car accident are also entitled to receive compensation for medical expenses, lost wages, and other economic losses. Pedestrians and cyclists can also make a claim.
Before filing a no-fault claim, you should know the steps. First, you must notify your own insurance company of your injury. Your insurer will then send you a letter explaining your rights and the benefits you are eligible for. Afterwards, you have 30 days to file your claim. If you don’t do so, your insurer can deny your claim.
You must submit your medical bills as soon as possible. Failure to do so may result in your health insurance company not paying your bills. In addition, your claim will be denied if you miss a medical appointment or fail to provide the correct information on the form.
Damages you can recover
When you are involved in an accident, you may be entitled to receive compensation for the damages you have sustained. These can include medical costs, property damage and other expenses. However, it can be challenging to know exactly how much you are owed. It’s a good idea to get the advice of an experienced lawyer if you want to pursue a claim.
Medical expenses are a large part of most personal injury claims. They include expenses such as hospitalization, doctor’s visits, surgeries and physical therapy. The total cost can vary greatly, especially if you require ongoing medical care.
In addition to medical expenses, you may also be entitled to collect damages for loss of earnings. This is due to the fact that you may be unable to work or earn as much money in the future. You could lose your current job and your wages or be unable to pay for childcare or other services.
Damages for pain and suffering are not as easy to determine as other losses. Some examples of non-economic damages include emotional distress, reduced quality of life, and loss of companionship.
Negotiating with insurers
If you’ve suffered from a car accident, you’re likely to need to negotiate with your insurance provider. You’ll need money to cover your medical expenses and other related losses.
The first thing to do is to file a claim with your insurer. Your insurance provider will need to investigate your claim and gather the evidence necessary to make a decision.
Next, you’ll want to prepare a demand letter to present to your insurer. This letter will set forth the facts of the accident and your injuries. It will also include details on the type of damage your vehicle sustained.
Depending on the severity of your injuries, you might be able to receive compensation for your lost wages and ongoing medical care. However, you should not settle your claim before you have received treatment.
Getting a good offer isn’t always easy. Typically, you’ll have to go through several rounds of negotiations before you get the kind of settlement you’re seeking.
Identifying losses after a car accident
There are many factors to consider after a car accident. You need to determine who was at fault and who should be responsible for compensating you. This can be a daunting task, but there are steps you can take to help make it easier.
The first thing you should do is gather any physical evidence you can. Photos can be very helpful, as can other evidence. Remember to document all damages to vehicles. It’s also important to collect the contact information of all witnesses. These individuals can also help you identify liable parties.
If you are injured in the crash, you should seek medical attention immediately. Medical records can prove you have injuries, as well as provide other information you may need. Make sure to gather the other driver’s license number, home address, and phone number.
Your own insurance company is also an important resource. You can submit a claim for your accident through the AmFam website or through MyAmFam app. Ask the adjuster to schedule a time to evaluate your vehicle. They will take photos from different angles, assess the damage, and limit your claim.