Since New York is a no-fault insurance state, the at-fault driver’s insurance company is required to cover their “basic economic loss” in the event of a car crash. To that end, up to $50,000 can be used for things like medical bills, time off work, and anything else that’s truly necessary. It could be anything from medical bills to lost pay.
Although the no-fault insurance provider pays for “basic economic loss” regardless of who was at fault, New Yorkers who want to sue for pain and suffering often need to demonstrate that they suffered a “severe injury” under the law. To be considered a “severe injury,” a personal injury Jmdhindi must:
The medical community’s determination that an injury or impairment is temporary enough to prevent the injured party from performing “substantially all of the material acts” required by that person’s main occupation. Catastrophic injuries include death, amputation, significant disfigurement, a broken bone, miscarriage, abortion, permanent loss or consequential limitation of use of an organ, member, function, or system, and sprains.
There are some of these groups that don’t need much of an explanation, but there are others that do. If we use the term “substantial limitation of use” as an example, how do we tell the difference between a minor and a major one? This is an extremely fact-specific question, however, there have been some helpful precedents established by the courts. A qualified car accident lawyer in Rochester can shed light on the matter.
Many people worry that filing insurance claims following an auto accident would result in higher monthly payments for their policy. In actuality, persons wounded in an automobile accident should pursue any insurance claims that will maximize their recovery from pain and suffering, including a claim against one’s own insurance carrier in the event of an uninsured motorist (“UM”) claim. Insurance that was once unaffordable may now be within reach thanks to years of premium payments.
Time limits and documentation requirements for filing insurance claims might vary widely depending on the type of claim. In the event of an automobile accident, the lawyers can assist victims in filing claims for medical expenses, lost wages, and pain and suffering. The injured party may file a claim with the at-fault driver’s insurance company, as well as a claim with his or her own insurance carrier for coverage in the event of an accident involving an uninsured or underinsured scooptimes motorist.