Why You Should Contact Your Insurance company
There are several reasons why you should call your insurance after a car accident that was not your mistake, such as :
New York Is a “ No-Fault ” Insurance State
When it comes to car insurance, New York is a no-fault submit, which means that your insurance company will reimburse you for damages careless of who is responsible for your car accident, as clarified by the New York State Department of Financial Services.
Per the New York State Department of Motor Vehicles, you are required to carry a minimum sum of coverage that includes :
- $ 25,000/ $ 50,000 for bodily injury/death per person
- $ 50,000 / $ 100,000 for bodily injury/death for two or more people
- $ 10,000 for place damage per accident
Your indemnity policy may besides contain other types of coverage or benefits that help you after an car accident. Check with your supplier to find out what coverage is in your policy.
Your insurance company May Require You to Contact Them
about every provider requires you to contact them if you have been injured or your vehicle has been damaged. If you fail to contact your insurance caller, you may be penalized by a rate increase. The ship’s company may besides cancel your coverage, citing that you failed to contact them.
Faster Car Repair and Medical Benefits
If you are waiting for the early driver ’ randomness insurance ship’s company to pay for your car repair, you may be waiting for respective weeks or months. By contacting your indemnity company, you may be able to arrange to get your car repaired faster and get on the road more quickly. You may besides have to pay out-of-pocket for some medical services. Contacting your insurance company may give you access to coverage for medical discussion faster than waiting for the other driver ’ randomness insurance company to compensate you.
information You Should Provide Your insurance company
When you contact your agent, you should be prepared to provide the information you collected such as :
- contact information ( diagnose, address, phone ) of all parties involved in the car accident
- indemnity policy information of all drivers involved in the accident including the driver ’ s name, policy supplier, and the policy count
- The police enforcement agency ( sheriff, highway patrol, city police ) that arrived on the scenery of the accident
- localization, clock, and date of the accident
- Details about the damage or your injuries, and, if potential, take photos or videos of the property and damage and your injuries
Make sure the data you provide to the insurance company is clear, concise, and accurate. If there are any discrepancies in the information, it could work against your personal injury case. Provide alone the facts and nothing else.
How Your car Accident Attorney Can Help You With Your title
ideally, it is best to consult a car accident lawyer in New York before you speak with your insurance company. Your lawyer can help you with all communication and advocate on your behalf. An experienced lawyer understands the claims procedure and the legal system in New York. As such, they know how to navigate your claim. Your lawyer can investigate your claim to assess what happened and who is at fault for your injuries. They can besides obtain evidence of fault and liability, calculate your damages, and negotiate a average colonization. A law firm can manage your stallion case while you are recovering from your injuries.
What Your policy Might Pay if Someone Hit Your car
Depending on your insurance coverage for your car indemnity policy, you should be covered, up to your coverage limits, whether or not you ’ rhenium at-fault. You can add any of the following coverages to your policy for fiscal compensation :
collision coverage
When two cars crash, you hit an object or rollover, your collision policy steps in to help pay for out-of-pocket expenses to your car, whether or not you were at-fault
comprehensive coverage
comprehensive examination insurance covers damage to your vehicle that happens from an incident that isn ’ triiodothyronine collision related such as storms, fires, floods, larceny or vandalism.
Liability Coverage
Liability coverage can help pay the costs of damages and injuries to others if there is an accident and you were determined at-fault.
medical Payments Coverage
You can get help paying medical bills for you, your class and the passengers in your car when you ’ re involved in an accident. You ’ ll besides have security if you were hit as a pedestrian.
Uninsured coverage
These coverages can help pay for damages caused by drivers who either don ’ t have insurance or don ’ t have enough indemnity to cover the costs.
New York Statute of Limitations for Car Accident Claims
After contacting your insurance, your cable car accident lawyer can advise you of any relevant New York submit laws that could impact how much compensation you receive and if you have time to file your lawsuit.
According to New York Civil Law §214.4, victims of personal injury claims have three years from the date of their accident to file a claim with the court arrangement. Your lawyer can advise you of any circumstantial factors that could extend this codified of limitations for your casing.
Contact Morelli Law tauten After Your car accident
No topic the circumstances, you should contact your indemnity if you were in a car accident that was not your fault. then contact Morelli Law tauten. Our legal team has the resources and staff necessity to handle your case. We fight to protect your rights and help you get the recompense you deserve for your damages. To find out more about your legal options, call our police firm for a free subject review.