An auto accident can ruin your life. It can result in disabling injuries, doctors visits, hospital stays, surgeries, physical therapy, lost income, lost pension benefits, physical pain and mental suffering, and the very real prospect of permanent disabilities. To make matters worse, you have to battle with insurance companies that often wrongfully deny claims and refuse to make payments.
Our law firm understands the complexities that auto accidents entail, including both legal and insurance matters. We specialize in auto accident cases and will work diligently to get you the maximum compensation for your injuries.
We refuse to settle cases for low-ball offers that insurance companies make everyday. We do not wait 3 years to file a lawsuit and move the case forward. We return phone calls to our clients promptly.
If you’ve been injured or lost a loved one in a car accident, we extend our sympathies and condolences. We realize no amount of money can ever replace your loss. However, we will help recover money for the injuries and damages suffered.
In an auto accident, the law limits the time you have to file a claim. This is especially true for your medical benefits.
As your attorneys we will remove the frustration of dealing with the insurance companies. Most people believe that if the accident is not their fault, the other driver’s insurance company will automatically pay for their damages. Sadly, that is not the case.
A free consultation is only a phone call away. Please Call Now 212 400 4000.
We offer a No Win – No Fee Guarantee.
Auto Accident Basic Information
1. The Investigation & Litigation of Auto Accidents and the resulting injuries is very complex and costly. In view of this, it is advised that you contact our law firm immediately. Please call for a free consultation 212 400 4000
2. Medical Treatment & Bills: In the State of New York medical bills resulting from auto accident injuries, including emergency visits to the hospital and ambulance bills, are covered by the insurance company of the host car. (The vehicle you were sitting in at the time of the accident). This is regardless of which vehicle is at fault in the accident.
3. NF-2 “No-Fault Application”: The NF-2 has to be filed with the host insurance company for the coverage of all medical bills within 30 days of the date of the accident. Once again this is regardless of who’s at fault, all auto accident victims have to complete this form and send it to the insurance company of the host vehicle.
Once a claim is established, you will be able to treat with a physician of your choice, as long as they accept no-fault benefits.
4. Medical Treatment: As an auto accident victim it’s your right to choose any physician of your choice to seek medical treatment. After an accident, people are in a state of shock and may not realize the extent of their injuries. Often what appears to be a minor injury can prove to be deadly.
Not all injuries caused by car accidents are immediately apparent. Some injuries, such as head, neck, low back, shoulder, knee and ankle injuries may not become noticeable or disabling until days, weeks or months later. Sometimes people think the injury is minor and will get better, only to find it gets progressively worse.
It’s important to seek medical attention right away to make sure you’re examined for any possible injuries.
The insurance company will use any delay in seeking medical care against you. If you delay seeing a doctor for days or weeks, the insurance company will use it as proof that you were not seriously injured or that your injuries were not caused by the car accident. Copies of your medical reports serve as documentation that your injuries are causally related to the accident.
5. “IME” Independent Medical Examination: Eventually, the no-fault provider will notify you of an appointment to see one of their doctors for an IME (Independent Medical Examination).
The insurance company of the host car, (the car that you were in at the time of the accident) will send you to their own doctor to determine your medical condition; often these doctors terminate your benefits within two to four months of the accident date.
Attending an IME (Independent Medical Examination) is very important. If you fail to attend this examination, your entire medical claim will be denied. In that case you will end up paying for the medical bills out of your own pocket.
6. Hiring an Attorney & Attorney Fee: All victims of auto accidents have the right to the best legal representation possible. You have a right to choose any lawyer of your liking. Auto accident lawyers work on a contingency basis, standard industry fee is 1/3 (33%) of the total amount recovered. This means that the lawyer will only receive a fee if he or she recovers money for your injuries.
7. Changing Your Lawyer and/or Doctor: If you are not satisfied with your attorney and/or your doctor, you have a right to fire either party and
move your case to a different lawyer and/or doctor. You can change your attorney without paying an additional fee.
Both the old attorney and new attorney will be compensated from the same 33% fee. If you are dissatisfied with your current attorney’s performance, please call us for a free, no obligation consultation. 212-400-4000
8. Damage to Your Vehicle: Most law firms charge upwards of 33% to recover money for the physical damage to your vehicle. At our law firm, we believe in customer service and satisfaction and do not charge any fee to get you paid the damage done to your vehicle.
There are two options when it comes to the payment for damage done to your vehicle. Option number one only applies if you have full coverage (meaning your car is fully insured for comprehensive and collision coverage). In this case you can make a claim against your own insurance company, regardless of who is at fault.
Option number two is that the insurance company of the car that was at fault in the accident will pay for the damage done to your vehicle.
In either scenario, we serve our clients and their best interest, making sure that they get compensated for physical damage done to their vehicles.
9. Rental Car Coverage: Rental cars can also be covered with the same two options listed above. Most insurance companies have a set limit on how much they will pay for a daily rental. Since it depends on the insurance company and your insurance coverage, it’s always a good idea to find out ahead of time the exact rental amount allowed.
10. Loss of Wages: As an auto accident victim you have a right to collect loss wages for the period your injuries prevented you from working. Generally, loss wages are claimed from the host vehicle’s insurance (the vehicle you were the passenger in at the time of accident).
11. Hit & Run Accidents: If you have been injured in a hit & run accident you can still receive medical treatment, as well recover monies for you injuries. Medical bills are always paid by the insurance company of the vehicle you were either driving, or a passenger in at the time of accident, this is regardless of which vehicle is at fault.
When it comes to recovering monies for your pain and suffering, in a hit & run case, it is also covered by the vehicle you were in at the time of accident.
12. Passenger in an Uninsured Vehicle: If you were injured in an auto accident and the vehicle that you were in was uninsured at the time of accident, your medical bills will be paid my MVAIC (Motor Vehicle Accident Indemnification Corporation).
13. Immigration Status, Accidents & Injuries: Your immigration status has no bearing on your right to receive compensation for your injuries from any auto accident.
Many people feel that since they are either visiting or have overstayed their visa, they may not be entitled to file a claim for their injuries, THIS IS NOT TRUE. The fact is that anyone injured in any type of an auto accident has the right to recover damages regardless of their immigration status.
What to do after an Auto Accident
1. Be Careful: Anything said at the time of accident can be used against you and disqualify a potential Auto Accident Claim or an Auto Accident Settlement.
Determining who is at fault for an auto accident can be difficult due to the many factors an auto accident can involve. Our legal and support staff have the resources to quickly and effectively determine who the liable parties are. Even if someone involved in an auto accident thinks that they are partly at fault, they may still be able to collect damages.
2. Must Exchange Information & File a Police Report: Always insist on filing a proper police report and insist on exchanging information such as the name, address, phone number, insurance company, policy number, driver license number and license plate number for the driver and the owner of each vehicle. If the driver’s name is different from the name of the insured, establish what the relationship is and take down the name and address for each individual. Also make a written description of each car, including year, make, model and color — and the exact location of the collision and how it happened. Finally, be polite.
3. Do Not Sign Any Documents: Do not sign any documents at the time accident or at any other time without consulting with a lawyer who specializes in Auto Accident Cases.
Our firm specializes in Auto Accident Cases and an initial consultation is always free and without any obligation. Call Now 212 400 4000
4. Photos & Documentation: Take pictures of the scene of the accident, street signs, traffic lights, traffic signs, intersection, and all vehicles involved. Use your cell phone camera if you have to.
Ambulance chasers /runners are committing a crime by approaching accident victims.
In some cases hospital may release your contact information to an ambulance chaser / runner.
These individuals may call and pretend to be representatives of your insurance company, your lawyer’s office, your insurance company’s lawyer’s office, or your insurance company’sdoctor’s office,
DO NOT FALL FOR THEIR SCAMS.
Ambulance Chasing / Running is illegal in the State of New York. Dealing with ambulance chasers / runners will put your case in jeopardy. Accepting money from them upfront to go to a specific doctor or a lawyer may disqualify your entire claim and case.
Ambulance chasers / runners steer the accident victims to the highest paying bidder, this jeopardizes the legal rights and medical treatment of the accident victim. It’s routine for all insurance companies to ask an accident victim if he or she has had any dealings with ambulance chasers/ runners. If so, your entire case may be denied.
6, Reporting the Accident to Your Own Insurance Company: Never Give a Statement to The Other Driver’s Insurance Company. Additionally, it is always advisable to speak to an attorney before reporting a claim to your own insurance company.
Insurance companies often attempt to take a recorded statement within 24 hours of an accident. The insurance companies are well aware that the full extent of your injuries may not be known within 24 hours.
Insurance companies that ask for such statements know that important legal issues are involved. Insurance companies have lawyers to protect their rights and so should you. You should politely advise the insurance company adjuster that you have retained an attorney and to please call your lawyer.
To report your accident to your own insurance company, provide them with the following information: (to the best of your ability)
Name of the driver(s) of the other vehicle(s), including their addresses & phone numbers
Driver’s license number(s)
License Plate Numbers of all Vehicles
Name(s) of insurance company and policy number(s)
Names of passengers, including their addresses & phone numbers
Names of witnesses, including their addresses & phone numbers
Names of the owner of the other vehicle(s)
7. Accepting Settlements: You should never sign any paperwork or a release form from an insurance company following an accident without first consulting an attorney that specializes in auto accident cases.
The Insurance Research Council (IRC) found that individuals represented by an attorney received Three and Half Times More Money than individuals who settled their case without a lawyer.
Even after paying attorneys’ fees, clients received more than double the amount of money they would have received without an attorney.
It has been reported that insurance companies want you to sign papers and settle your case before you hire a lawyer.
Many auto accident victims have signed away their rights to file a claim before understanding the full nature and extent of their injuries or the true value of their claim. The insurance companies have lawyers and know the true value of your case, working hard on their side so should you. Do not gamble with your legal rights. Call our law firm for a free consultation. We are here to help. Call Now 212 400 4000. We offer a No Win – No Fee Guarantee.