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The no fault auto insurance law covers injuries and property damage, unless the negligent driver was uninsured. This is why it's wise to consult with a lawyer for a car accident prior to giving a recorded or written statement to the insurer.
If your case goes to court, oral and written statements could be used against you. An experienced car accident attorney knows how to prepare and testify in a trial for maximum value.
Damages
There are two broad categories of damages a person can receive following a car crash both economic and non-economic. Economic damages are the kind of losses that are easily quantifiable. They include medical expenses, lost wages and repairs to vehicles. Non-economic damages are more difficult to quantify. These damages could include emotional distress and loss of enjoyment of living.
A skilled lawyer for car accidents can assist victims in claiming the maximum amount of compensation. They can also advocate to get a fair settlement from the insurance company that is at fault. If the insurance company is unable to agree to the settlement, they can bring the case to court.
A competent lawyer for car accidents should ensure that the victims are compensated for all their potential losses and expenses. This can be accomplished by collecting the most information possible from the accident scene. They can, for example take photos of the scene where the accident occurred and gather information from witnesses. This will ensure that the insurance company doesn't attempt to undervalue a claim or reject it completely.
In addition, a car accident lawyer can assist victims in calculating the full cost of their injuries. This includes future and past medical treatments, and any costs related to house care or hiring someone else to do chores or cook if injury has made it impossible for the person injured to perform these tasks.
Medical bills
If you're involved in a car accident, medical bills may accumulate quickly. Even with no-fault insurance or a personal injury lawsuit settlement these bills will not magically disappear. You'll need help with paying them now, not later.
There are two methods to swiftly pay your medical bills: through your health insurance or your automobile insurance. In New York, the former is referred to as Med Pay and will cover your first medical expenses after an accident, regardless of who was responsible. The latter is usually provided by the state (Medicare) or auto Accident lawyer via an insurance plan offered by a private company.
Always consult the doctor following an accident, particularly when you're experiencing a lack of energy or think that your injuries aren't that severe. A quick evaluation will ensure that your injuries, including internal injuries, are correctly assessed and treated. Additionally, your visit will generate a medical report that can be essential in the event of a lawsuit.
If you have exhausted both of these options, you can then turn to the driver at fault's liability policy if the coverage is sufficient to pay for any damage. You'll still have to pay for your own copays and deductibles. Once an agreement is reached with the party responsible you will be reimbursed for all costs related to the accident. This is why it's crucial to keep in mind all your bills and anything you spend out of pocket.
Lost wages
In addition to medical bills and property damage, a devastating car accident could also cause loss of income. If you are unable work because of an injury from a crash, it can be extremely stressful to keep up with your financial obligations daily. You may need to rely on your own savings or Auto Accident Lawyer borrow money from family members until your case is resolved. A New York car accident lawyer can review your case to determine whether you have an adequate claim.
In the event of a car crash the judge will award compensation damages to pay for the money you would have earned had it not been for your injury. Payroll, benefits and overtime fall under the umbrella term of "economic damages." The purpose of this kind of compensation is to restore you to the financial position you had prior to the time of the accident.
When you're missing work because of your injuries, a judge calculates the amount you've lost by reviewing a letter from the plaintiff's employer which confirms their salary or hourly wage as well as the time they've been away from work. Bank statements and paycheck stubs are also relevant. Profit-and-loss accounts, tax returns, and profit and loss reporting can be included as well.
In addition to the loss of income, an auto accident law firm accident lawyer can pursue compensation for future lost earning potential. This is a specialized aspect of your injuries that could be difficult to prove and may require the assistance of an expert witness.
Suffering and pain
There could be unpaid medical bills, damaged to your property and income if you are involved in an accident that is serious. You could also be suffering from emotional and psychological trauma. You may be entitled to compensation for the suffering and pain you've suffered. A lawyer can assist you in getting the compensation you deserve.
A lawyer can also help navigate dealing with insurance companies. Insurance adjusters are motivated by their own financial interest and often attempt to deny or reduce your claim. A lawyer for car accidents can protect you against these tactics and negotiate for an appropriate settlement of your injuries and losses.
As you recover from your injuries, you must record all the expenses and property damage that comes to the accident. Included in this are medical bills, estimates for repairs and receipts for items damaged. Photograph your injuries and the accident scene. You should also avoid talking to anyone regarding the accident except for medical and police professionals.
A lawyer can also help determine who is responsible for the accident. New York is a "comparative fault" state, meaning that the amount of damages you will receive will be lowered by your percentage of the fault. In some instances the case, a corporation, state or city agency, or a sanitation company or a public transportation service may be the liable party.
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