Insurance Claims After an Accident
Your Questions About Insurance Claims After an Accident Answered
With all of the trouble and hardship that come with suffering a motor vehicle accident injury, victims have a hard time navigating complex insurance issues. This is why it is so important to have an experienced personal injury lawyer on your side.
At Edelman & Edelman, P.C., in Manhattan, we have decades of experience handling injury claims and attendant insurance issues for people throughout New York. When the injuries are serious and the insurance issues complex, people turn to our lawyers for trusted answers and strong advocacy.
Following are some of the most frequently asked questions about insurance claims in New York.
Which Insurance Policy Will Cover My Medical Bills?
New York is a no-fault state, which means that the auto insurance policy of the car you were in at the time of the accident is responsible for paying your medical bills. Damages are capped at $50,000, however, unless the policyholder purchased additional coverage. In the event your medical bills, wage loss and other hardships exceed your policy limits and another driver was at fault, you may seek additional compensation from that driver’s liability coverage.
How Do I File An Insurance Claim After An Accident?
You must file a no-fault claim (New York State Form NF-2) with the appropriate insurance company within 30 days of the accident or lose your right to compensation. Many people choose to do this themselves, without help from a personal injury lawyer, but that can be a mistake. Even in a no-fault claim, you may be entitled to more compensation than your insurance company would have you think. When an at-fault driver’s insurance company gets involved, the issues are even more complex and call for the services of an attorney who is experienced handling motor vehicle accident claims in New York.
What If A Business Is Responsible?
If you were seriously injured in a motor vehicle accident, it is important to maximize your financial recovery and seek all possible avenues of compensation. If a business was wholly or partly responsible for your accident injuries and your damages exceed New York no-fault policy limits, you may file a lawsuit against the business in question and all other liable parties. Businesses that can contribute to car accidents include auto component manufacturers, construction companies and owners of parking lots and other premises where vehicle traffic is expected.
Get Answers To Your Important Questions
This page provides general information about car accident claims in New York. For answers to your specific questions, contact our New York City law offices by telephone at 212-235-1197 or online by filling out a brief contact form.