Experiencing a car accident can be a traumatic and overwhelming event, often leaving victims with numerous questions and concerns. Understanding the critical steps to take immediately after the accident, knowing who is responsible for medical expenses and lost wages, and figuring out what to do if the other driver lacks insurance or adequate coverage are all essential. This comprehensive guide from Andrews, Bernstein & Maranto, PLLC aims to provide clear and thorough answers to frequently asked questions following a car accident.
What Actions Should I Take Immediately Following a Car Accident?
The moments following a car accident are crucial for ensuring safety and protecting your rights. Here are the key steps to take:
First, if it’s safe to do so, move your vehicle to a secure location away from traffic to prevent further accidents or injuries. Next, assess whether you or any passengers are injured and seek emergency medical attention if needed. Even if injuries seem minor, it’s wise to get checked by a medical professional as some injuries may not be immediately apparent.
Calling the police is an essential step, particularly for documenting the accident. The police report will record critical details such as the location, the vehicles involved, and witness statements. This documentation can be invaluable later for insurance claims and potential legal action.
Gather as much information as possible from the scene. This includes obtaining names, contact details, and insurance information from all parties involved, as well as contact information for any witnesses. Taking photos and videos of the accident scene, the vehicles, and any visible injuries can provide crucial evidence.
Notify your insurance company about the accident as soon as possible. Delays in reporting can sometimes result in a denial of coverage. For legal assistance and to ensure your rights are protected, consider contacting Andrews, Bernstein & Maranto, PLLC. Our experienced team is ready to support you through every step of the process and help you secure the compensation you deserve.
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Who Pays for My Medical Expenses and Lost Wages After a Car Accident Injury?
New York operates under a no-fault insurance system, meaning that regardless of who caused the accident, the no-fault insurance policy of the vehicle you were in will cover your medical expenses and lost wages. This system is designed to provide prompt payment for these costs without the need for lengthy litigation.
Typically, no-fault insurance in New York covers up to $50,000 in medical expenses, lost wages, and other necessary costs such as transportation for medical visits. However, dealing with insurance companies and ensuring timely payments can be challenging. It’s not uncommon to receive confusing notices or denials, adding stress to an already difficult situation.
Andrews, Bernstein & Maranto, PLLC can help alleviate this burden. Our dedicated attorneys will work diligently to ensure your medical bills are paid promptly, allowing you to focus on your recovery. We understand the complexities of no-fault insurance and are committed to helping you navigate this process smoothly.
The team is very personable, patient and empathetic with their clients. They are upfront with you and will explain the entire process with you, they never lead you to believe otherwise, they tell you like it is and will not sell you a million dollar dream. Trust in Andrews, Bernstein & Maranto, PLLC, they work for you and he looks out for your best interest.” - Jane D.
What Do I Do If the Other Driver Does Not Have Car Insurance or Adequate Coverage?
Accidents involving uninsured or underinsured drivers can complicate the process of obtaining compensation. Fortunately, your own insurance policy can provide a solution. Most auto insurance policies in New York include Supplemental Underinsured and Uninsured Motorist (SUM/UM) coverage. This coverage is designed to protect you in situations where the at-fault driver lacks sufficient insurance to cover your damages.
If you find yourself in this situation, it’s crucial to review your insurance policy to understand the extent of your SUM/UM coverage. Andrews, Bernstein & Maranto, PLLC can assist you in this review and help you file a claim with your insurance company. Our goal is to ensure that you receive the compensation you are entitled to, even when the at-fault driver is uninsured or underinsured.
Additionally, our attorneys are available around the clock to provide the support and guidance you need. We work on a contingency fee basis, meaning you won’t owe us anything unless we win your case. This ensures that everyone has access to quality legal representation, regardless of their financial situation.
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Additional Considerations After a Car Accident
Beyond the immediate steps and financial concerns, there are other important considerations following a car accident. One of these is the potential for long-term medical treatment and rehabilitation. Injuries such as whiplash, traumatic brain injuries, and spinal cord injuries can require extensive and ongoing care. It’s important to work with medical professionals to understand your prognosis and treatment plan fully.
Another consideration is the impact on your mental health. Car accidents can be traumatic, and it’s not uncommon for victims to experience anxiety, depression, or post-traumatic stress disorder (PTSD). Seeking mental health support can be an essential part of your recovery process.
Understanding your rights and the legal implications of your accident is also critical. New York has specific statutes of limitations for filing personal injury claims, typically three years from the date of the accident. However, there are exceptions and nuances to this rule, so it’s advisable to consult with a knowledgeable attorney as soon as possible to ensure you don’t miss any important deadlines.
Moreover, dealing with insurance companies can be daunting. Insurance adjusters may try to minimize your claim or settle quickly for an amount that doesn’t fully cover your losses. Having an experienced attorney from Andrews, Bernstein & Maranto, PLLC on your side can help ensure that you are treated fairly and receive the compensation you deserve.
Consider the possibility of vehicle repairs or replacement. Dealing with auto body shops, rental cars, and the financial implications of repairing or replacing your vehicle can add another layer of stress. Your insurance policy may cover these costs, but it’s important to understand the specifics and ensure you follow all necessary steps to get your vehicle back on the road.
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Why Choose Andrews, Bernstein & Maranto, PLLC?
Choosing the right legal representation after a car accident can make a significant difference in the outcome of your case. At Andrews, Bernstein & Maranto, PLLC, we bring years of experience and a deep commitment to our clients. We understand the intricacies of New York’s No-Fault insurance laws, the challenges of dealing with uninsured or underinsured drivers, and the emotional and financial toll a car accident can take.
Our team provides personalized service and aggressive representation to ensure that you receive the maximum compensation for your injuries and losses. We believe in a client-centered approach, meaning we listen to your needs, keep you informed throughout the process, and fight tirelessly on your behalf.
We also recognize the importance of accessibility and support during such a challenging time. That’s why we offer availability and work on a contingency fee basis. Our goal is to make the legal process as stress-free as possible for you, allowing you to focus on your recovery and move forward with your life.
Navigating the aftermath of a car accident can be complex and overwhelming. However, with the right information and legal support, you can ensure that your rights are protected and that you receive the compensation you deserve. Andrews, Bernstein & Maranto, PLLC is here to help you every step of the way, providing the experience, dedication, and support you need during this difficult time.
For more information or to schedule a consultation, please contact us today. We are here to help you navigate this challenging time and secure the best possible outcome for your case.