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A New York Accident Lawyer Can Help You Understand the No-Fault Insurance System
New York City is a city where car accidents are common. While the majority of them are simply accidents that cause fender benders, a few can result in serious injuries. The injured party must immediately call 911 and seek medical attention.
A New York car accident lawyer can assist victims with their legal needs following the crash. They can help them obtain compensation for their medical bills and lost wages.
No-fault insurance
New York is an insurance no-fault state. Chico means that all drivers pedestrians, passengers, and passengers as cyclists and bicyclists are covered automatically by their auto insurance policies. This includes medical expenses, lost wages and other costs related to accidents. This has helped protect car accident victims against being burdened with out-of pocket costs. However it is crucial to understand what it means.
In order to qualify to benefit from No-Fault insurance, you must meet certain criteria. First and foremost you must be injured in a vehicle accident that occurred in the state of New York. You must be a driver, passenger or pedestrian in the insured vehicle. The injured party must also be treated in a hospital or an authorized provider. You must also have suffered "a serious injury."
New York State Insurance Law defines serious injuries as a permanent impairment of function or disfigurement. All of these injuries are severe and can have a negative impact on the life of a victim. If you've been injured in an New York car accident, an experienced New York injury attorney can help you get the compensation you're due.
Following a serious car accident An attorney can assist you in a number of ways. They can provide you with legal options, conduct an extensive investigation, and negotiate with the insurance company on your behalf. They may also file a lawsuit in court on your behalf against the driver responsible for the crash.
You could be required to pay astronomical medical costs, lost wages and other expenses following a serious car accident. These costs can be paid for by no-fault insurance and you should seek treatment immediately following a car crash even if you feel like you are fine.
If you are unable to return to work, no-fault insurance will pay 80 percent of your wages lost up to $2,000 per month. It also covers an important portion of your out-of-pocket expenses which includes the cost of household help.
Insurance companies often schedule an IME (Independent Medical Examination) or EUO or Exam under Oath. It is mandatory to attend, since failing to attend could result in denial of benefits retroactively.
Purely comparative fault
In a majority of car accident lawsuits plaintiffs are either completely or partially accountable for the crash. The law allows injured parties to seek damages based on the percentage of blame that can be given to them. This is known as pure comparative negligence. Pure comparative differs from modified comparative, which caps the amount a claimant may be deemed to have in order to keep them from receiving financial compensation. Modified comparative fault states typically set the bar between 49 to 51 percent.
In the event of a car crash, the plaintiff must prove two things to be legally responsible for the accident: negligence and causality. Negligence is the act of breaking the law or acting with unreasonable negligence. The cause of the accident is determined by the manner that the negligence led to the injury. To demonstrate legal responsibility the plaintiff must show the economic losses caused by their injuries, such as medical bills, lost income and travel costs to appointments. Non-economic losses are emotional trauma, suffering and pain.
New York is among the 13 states with a pure comparative fault law, which means that the injured party may still be able to claim compensation even if they were partially responsible. However, if the claimant is found to be more than 50 percent at fault, they will be exempt from any claim for damages. In this situation it is essential to work with a knowledgeable lawyer.
Comparative fault can be applied to any personal injury or wrongful death situation where the victim (or the heirs) have suffered mental or physical damages. However, the concept of comparative fault can be a bit more complicated in the case of wrongful death claims.
The principle of comparative fault is crucial to know when making an action for compensation following an accident in New York. Your lawyer will assist you determine the severity of your personal responsibility to the accident and work with insurance companies to ensure you receive the maximum amount of compensation for your injuries.
In addition, if have several defendants in your case the concept of joint and multiple liability could be applicable. This system splits the verdict among all defendants when a jury finds you jointly and severally liable for the accident. This is a great method to ensure that you receive the most compensation for your injuries.
Strategies of insurance companies
The aftermath of a car crash can be just as stressful. Victims of injuries often must deal with medical bills and a loss of income as a result of being in a position of no work and suffer from emotional and physical pain. They also have to worry about whether they can cover rent and other daily expenses. They don't need to be subjected to the delay tactics employed by insurance companies to try and get them to accept lower settlement offers.
Insurance companies are in business to make money. They do this by denying or reducing your claims. Insurance representatives will use any tactic they can to prevent you from getting the amount you are entitled to. It is essential to find an experienced New York car accident attorney to ensure that you are treated fairly. The attorneys at Mirman Markovits & Landau PC have years of experience fighting for the rights of car accident victims. Our lawyers will take on insurance companies' devious strategies.
In order to save money, insurance companies will do anything they can to delay or stall your claim. They also try to keep the blame off by claiming that the injuries are not directly related to the crash or do not require treatment. They may even claim that the crash was the result of a prior medical condition.
In some cases an insurance adjuster may arrive at a settlement amount that seems reasonable. This is a common method that a lot of people are enticed by. This offer is much lower than the amount you'll must pay to cover your medical expenses and other damage.
The law in New York requires all drivers to carry no-fault insurance. However, it is common for people to get injured while driving or riding in a person's vehicle. Distracted driving, reckless driving and speeding are among the most common causes for accidents. Distracted driving occurs when a driver is using an electronic device to send or receive text messages, make phone calls, or listens to music driving. Distracted driving can cause drivers to lose control of their vehicles and result in serious accidents. Other causes of crashes are drunk driving, road conditions and weather conditions.
Reckless driving
If you've suffered injuries in a car crash caused by reckless driving, you could be entitled to compensation. A New York City reckless driving accident lawyer can assist you examine the crash to determine all parties who may be liable for your injuries and losses. They may also make a claim or a lawsuit against the driver to recover your damages.
According to the New York criminal code, reckless driving is defined as driving a car in a way that it puts other motorists or pedestrians and cyclists at risk. To convict a person of this crime, a police officer must demonstrate more than mere negligence or recklessness. The officer must prove that the driver was aware that their actions could have caused an accident or put others in danger.
Even minor traffic violations can be considered reckless driving in New York. Running a stop sign or red light could cause serious accidents. If a driver is found to be recklessly driving, they could be convicted of a misdemeanor and could face a fine or jail time.
Unsuspecting driving can cause serious injuries to pedestrians, other drivers, and bicyclists. If convicted of this offense will receive points added to their license and could face hefty fines. This could cause drivers' insurance rates to rise substantially. It is crucial to employ an attorney in New York who will ensure that the driver is held accountable in a fair manner.
The laws governing reckless driving in New York are very strict and could lead to substantial penalties which include fines and even imprisonment. The severity of a penalty is contingent on a variety of factors including the severity of an accident and if there were aggravating circumstances. A conviction for reckless driving can also result in suspension of a driver's license.
A seasoned reckless driving accident lawyer knows how to find out the cause of a collision and gather evidence to prove your innocence. The evidence could include witness statements, cellphone records to look for distracted driving, photos and videos taken at the scene of the crash, official medical reports, and toxicology reports. They will file and defend insurance claims or lawsuits to secure the highest compensation for your injuries.
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