Car Accident Insurance in New York
We understand that being involved in a car accident can be a traumatic experience, leaving you with physical, emotional, and financial burdens. At Stephen Bilkis & Associates, we are here to offer our unwavering support and legal expertise to car accident victims in New York. With years of experience in handling car accident cases, our dedicated team of New York car accident lawyers is committed to providing compassionate and personalized representation to help you navigate the complexities of car accident insurance. We believe that every accident victim deserves the opportunity to seek justice and obtain the compensation they need to rebuild their lives. With our extensive knowledge of New York's car accident insurance regulations, we are well-equipped to handle even the most complex cases. Contact Stephen Bilkis & Associates today for a free consultation and let us provide you with the support and legal representation you need during this challenging time.No-Fault System
The no-fault insurance system in New York is designed to provide accident victims with immediate financial support for medical expenses, lost wages, and other eligible costs. This means that regardless of who caused the accident, each driver's insurance company is obligated to pay for their own policyholder's damages up to the limits of their coverage.
The primary benefit of the no-fault system is the expedited compensation process. Instead of waiting for a lengthy legal battle to determine fault, accident victims can receive necessary medical treatment and financial support without delay. This ensures that individuals can access the care they need to recover from their injuries and resume their daily lives as quickly as possible.
Under the no-fault system, accident victims are generally entitled to certain benefits, including coverage for medical expenses, prescription medications, rehabilitation services, and lost wages. However, it's important to note that there are limitations and restrictions on the types and amounts of benefits that can be claimed.
It's crucial for car accident victims in New York to understand their rights and the specific requirements of the no-fault system. Failure to adhere to these requirements may result in delays or denials of insurance claims. This is where the expertise of a skilled car accident attorney becomes invaluable. An experienced New York car accident lawyer can navigate the complexities of the no-fault system, ensure that all necessary documentation is submitted correctly and on time, and advocate for your rights to receive the full benefits you are entitled to under the law.Insurance Coverage Requirements
To legally operate a motor vehicle in New York, drivers are required to carry certain minimum insurance coverages. These include:
- Liability Insurance: This coverage provides financial protection in case you cause an accident that results in injuries or property damage to others. The minimum liability insurance limits in New York are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.
- Personal Injury Protection (PIP): Also known as no-fault insurance, PIP coverage is designed to cover medical expenses, lost wages, and other necessary expenses resulting from a car accident, regardless of fault. The minimum PIP coverage in New York is $50,000 per person. In cases where the injuries exceed the limits of PIP coverage or involve serious or permanent impairment, accident victims may have the right to pursue additional compensation by filing a personal injury lawsuit against the at-fault party. To proceed with a personal injury lawsuit, it is critical to first contact an experienced New York car accident lawyer.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who either doesn't have insurance or lacks sufficient coverage to compensate for your injuries. New York requires a minimum of $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage. Understanding the nuances of car accident insurance in New York can be complex, especially when it comes to UM/UIM coverage. It is highly recommended to consult with a knowledgeable car accident attorney in New York who can assess your insurance policies, explain your coverage options, and help you navigate the claims process effectively.
If you are in a car accident, the first thing you should do is seek medical attention. Your health and well-being should be the top priority after a car accident. Even if you feel fine, some injuries may not manifest symptoms immediately. It is crucial to seek medical attention promptly and document all injuries for insurance purposes.
Contact your insurance provider as soon as possible to report the accident. Provide them with all relevant details and follow their instructions for filing a claim. If you are physically able, gather evidence from the accident scene, including photographs, witness statements, and any other pertinent information that may support your claim.
To ensure your rights are protected and to maximize your chances of obtaining fair compensation, it is advisable to consult with a skilled car accident attorney serving New York. They will guide you through the legal process, negotiate with insurance companies, and represent your interests in court if necessary.Contact Stephen Bilkis & Associates
At Stephen Bilkis & Associates we have extensive experience representing clients who suffered serious injuries in car accidents. We understand the complexities of car accident insurance laws and have a proven track record of successfully securing compensation for our clients. We will assess the circumstances of your accident, review insurance policies, and provide an honest evaluation of your case's strength and potential outcomes. We will also handle all communications with insurance companies, ensuring that your claim is filed correctly and maximizing the likelihood of a favorable outcome. In addition, we will work tirelessly to reach a fair settlement with the insurance company. If a satisfactory agreement cannot be reached, we are fully prepared to litigate your case in court and advocate for your rights before a judge and jury to help insure that you receive the maximum compensation to which you are entitled. Contact us at 800.696.9529 to schedule a free, no obligation consultation regarding your case. We represent clients in the following locations: Brooklyn, Long Island, Queens, Manhattan, Nassau County, Staten Island, Suffolk County, Bronx, and Westchester County.