Car accidents are an unfortunate reality of modern life, and their consequences can extend far beyond the initial collision. In Buffalo, New York, as in many other places, the aftermath of a car accident can significantly impact your driving record and insurance rates. Understanding how these accidents affect you is essential for all drivers in the Buffalo area, as it can help you make informed decisions and take steps to mitigate potential consequences.
Driving Record in Buffalo, NY
Your driving record is a comprehensive history of your driving behavior, and it plays a crucial role in determining your insurance rates and even your ability to maintain your driver’s license. In Buffalo, NY, the Department of Motor Vehicles (DMV) keeps track of every incident on your driving record, including accidents, traffic violations, and license suspensions.
Accidents on Your Driving Record: Car accidents are recorded on your driving record, regardless of fault. Whether you were at fault or not, the DMV will document the accident, the date it occurred, and the severity of the collision. This information remains on your driving record for several years, depending on the specific details of the accident.
Points System: The New York State DMV operates a points system, where each traffic violation and accident carries a certain number of points. Accumulating too many points can result in the suspension or revocation of your driver’s license. Therefore, accidents not only tarnish your driving record but also contribute to the points that may lead to potential license issues.
Insurance Rates in Buffalo, NY
Car insurance rates are calculated based on a variety of factors, and your driving record is one of the most significant influences on your premium costs. In Buffalo, NY, as elsewhere, car accidents can lead to increased insurance rates in the following ways:
Increased Premiums: When you’re involved in an accident, particularly if you’re found at fault, your insurance company may raise your premiums significantly. This increase can last for several years, depending on the severity of the accident and the insurer’s policies.
Loss of Good Driver Discounts: If you had enjoyed discounts for being a good driver prior to the accident, they may be revoked or reduced after the incident. This can further contribute to higher insurance costs.
Non-Renewal or Cancellation: In some cases, insurers may choose not to renew your policy or even cancel it altogether after an accident. Finding new coverage with a tarnished record can be more challenging and expensive.
Mitigating the Impact
While accidents can have a detrimental effect on your driving record and insurance rates in Buffalo, NY, there are steps you can take to mitigate these consequences:
Defensive Driving Courses: Completing a defensive driving course can help reduce the number of points on your record and may even qualify you for an insurance discount.
Safe Driving Habits: Focus on improving your driving habits to reduce the likelihood of future accidents and traffic violations.
Shop Around for Insurance: After an accident, it’s essential to explore different insurance providers to find a policy that offers the best rates and coverage for your specific situation.
Seek Legal Advice: If you believe you were wrongly assigned fault in an accident, consider consulting with a lawyer who specializes in personal injury or traffic law to protect your rights and interests.
Car accidents in Buffalo, NY, have a lasting impact on your driving record and insurance rates. Being aware of these consequences and taking steps to mitigate them is crucial for every driver. By driving safely, considering defensive driving courses, and shopping for the right insurance, you can minimize the financial burden and maintain a clean driving record, ensuring a more affordable and stress-free driving experience in Buffalo.
How can Andrews, Bernstein & Maranto, PLLC help you on Car Accident cases in New York
At Andrews, Bernstein & Maranto, PLLC, we are committed to providing exceptional legal representation and support to individuals who have been involved in car accidents in New York. Our experienced team of attorneys is dedicated to helping you navigate the complexities of personal injury law and seeking the compensation you deserve after a car accident. Here’s how we can assist you with your car accident case:
Experience in Car Accident Cases: Our firm specializes in personal injury law, including car accident cases. We have a deep understanding of the nuances and complexities of New York’s car accident laws, ensuring that you receive the best legal advice and representation.
Thorough Investigation: We believe in leaving no stone unturned. Our team will conduct a thorough investigation into the circumstances of your car accident. This includes gathering evidence, speaking to witnesses, and working with accident reconstruction experts to establish liability.
Determining Liability: Establishing liability is a crucial aspect of any car accident case. We will work diligently to determine who was at fault for the accident, whether it was another driver, a defective road design, or other contributing factors.
Negotiating with Insurance Companies: Dealing with insurance companies can be challenging. We will handle all communications and negotiations with insurance companies on your behalf, ensuring that you are not taken advantage of and that you receive a fair settlement.
Maximizing Compensation: Our primary goal is to help you secure the maximum compensation possible for your injuries and damages. This includes compensation for medical bills, lost wages, pain and suffering, property damage, and any other losses you have incurred due to the accident.
Litigation if Necessary: While we strive to settle cases amicably, we are fully prepared to take your case to court if a fair settlement cannot be reached through negotiation. Our experienced trial attorneys will vigorously represent your interests in court.
Compassionate Legal Support: We understand that a car accident can be a traumatic experience, and we are here to provide compassionate and empathetic support throughout the legal process. We are available to answer your questions, address your concerns, and provide guidance at every step.
No Fees Unless We Win: At Andrews, Bernstein & Maranto, PLLC, we work on a contingency fee basis. This means that you do not pay any attorney fees unless we successfully recover compensation for your case. Our commitment is to ensure that justice is accessible to everyone.
If you or a loved one has been involved in a car accident in New York, you can rely on Andrews, Bernstein & Maranto, PLLC, to advocate tirelessly on your behalf. We have a track record of success in helping car accident victims secure the compensation they need to move forward with their lives. Contact us today for a free consultation, and let us help you navigate the legal process and fight for your rights.