Been in an Accident? Here's
What You Need to Know
Were you or a loved one recently involved in a motor vehicle accident? The Perecman Firm, P.L.L.C. has provided a list of everything you'll need to know!
The most important thing is your insurance coverage. With staggering costs of medical care the New York State minimum insurance requirements of $25,000.00 liability and $50,000.00 for both medical care and lost earnings very often are not sufficient if the injury is significant enough. It is always better to have much greater liability limits in case you cause the accident, a greater limit for underinsured coverage in case the other party has smaller limits and finally to have additional PIP (Personal Injury Protection) to cover your medical expenses in excess of the $50,000.00 if needed.
If you are in an accident always notify the police to document how the accident happened and who the parties are. You must also notify your own insurance as soon as possible. If you are alleging injuries and/or lost earnings resulting from the accident you are required to submit a written No-Fault application to your own insurance company within 30 days of the occurrence.
If you were hurt in an accident always call the ambulance. This is the easiest way to document your injuries and receive needed medical attention. In case you go home and then realize you are hurting you can still go to the Emergency Room, Urgent Care facility or your own primary care physician. Regardless of where you go first always use your Auto Insurance only.
New York State has very particular requirements pertaining to motor vehicle accidents only. It is not enough that the accident is caused due to someone else’s negligence. There must be a significant injury or economic loss that raises to certain “threshold” requirement as defined and enumerated by the State’s Insurance Law. It is always the best to contact a competent personal injury attorney experienced in a motor vehicle accident in order to receive just and proper compensation for all losses caused by such an accident.
For more information and a free consultation, call us toll free at (212) 577-9325 or click here to email us about your crash!
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