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New York Car Accident Claims Process

Being injured in a car accident in New York, NY, is stressful enough. When you need to go through the insurance claims process while recuperating, however, your stress levels can escalate. Our New York car accident claims process attorneys are here to make it easier for you. 

 

You honor the terms of your car insurance policy by making your payments consistently every month. When it comes time for the insurance company to honor their end of the bargain by providing you with fair compensation for your car accident injuries, you may be disappointed.

 

Our New York personal injury attorney knows that all too often, insurance companies will delay, limit, or deny your insurance claim for no valid reason. The Law Offices of Jay S. Knispel Personal Injury Lawyers can help protect you against insurance companies that act in bad faith. Contact our New York law firm today at (212) 564-2800 for a free consultation and learn more about how the car insurance claim process works and how to get through it successfully.

How the Law Offices of Jay S. Knispel Personal Injury Lawyers Can Help You Through the New York Car Accident Claims Process

Our New York car accident lawyer has more than 25 years of experience in helping accident injury victims get the compensation they need to heal properly. We only handle personal injury cases, so we know the law and the insurance claims process inside and out. 

 

If you’ve been injured in a New York City car accident, you should be able to heal in peace without the added pressure of the insurance claims process. The Law Offices of Jay S. Knispel Personal Injury Lawyers can help you navigate the process and give you the best chance of making a full physical and financial recovery.

 

When you hire us, we’ll immediately start work on your car accident insurance claim by:

 

• Scrutinizing your insurance policy to determine the extent of your coverage 
• Examining your medical records and working with your healthcare team to understand what your injuries are and their severity 
• Accurately and fully calculating your total damages
• Reviewing your options for additional compensation if your insurance doesn’t cover all your expenses 

 

We’ll also guide you through the insurance claims process to make sure it’s complete, detailed, and factual. If the insurance company denies or limits your claim in bad faith, we’ll discuss your legal options, including taking your case to court. Call our law office in New York, New York, today to get started.

What Compensation Do I Get for My Injuries After a New York CIty Car Accident? 

New York is one of the few states that operate under a “no-fault” car insurance system. If you’re injured in an NYC car accident, you must first seek compensation from your own insurance company, regardless of who was at fault. 

Some of the most common types car accidents involved:

• Road defects
• Distracted driving
• Speeding accidents
• Seatbelt injuries
• Self-driving car accidents
• Single-vehicle accidents
• Passenger negligence
• Parking lot accidents
• Drunk driving
• U-Turn accidents
• Uninsured motorists claims

State law requires you to carry personal injury protection (PIP) coverage, which compensates you for: 

• Reasonable medical and rehabilitation expenses
• 80% of your lost wages, with a cap of $2,000 per month
• $2,000 in death benefits

Your no-fault coverage will not compensate you for non-economic damages. These damages include your pain and suffering, mental anguish, diminished enjoyment of life, and loss of consortium.

Because New York is a no-fault state, you can sue the negligent driver who caused your car accident only if your out-of-pocket expenses exceed your insurance policy limits. You can also sue the at-fault party for your non-economic losses only if you sustain a “serious injury,” as defined by state law.  

Negotiating a fair settlement with the insurance company can be quite difficult. Their top priority is their financial bottom line, not your physical well-being. Call the Law Offices of Jay S. Knispel Personal Injury Lawyers to find out how we can protect you against bad faith conduct by the insurance company. 

How Long Will It Take To Settle My New York Car Accident Claim?

Every car accident is different, and every injury is unique. Therefore, there is no hard and fast timeline that determines when your New York car accident insurance claim will be settled. 

There are, however, a few factors that affect the length of time it may take to resolve your claim. One of the main factors is the severity of your injuries. If you require longer-term medical care, it can take more time to calculate your damages, and therefore your claim could be delayed.

Another critical factor is the insurance company’s willingness to handle your claim in good faith. To protect their own interests, they can and do engage in conduct intended to delay or limit your recovery. In some cases, they deny it altogether, which can significantly prolong the process.

Having a skilled and experienced NYC car accident attorney representing you throughout the claims process can make it go smoother. We aren’t afraid to push back against insurance companies who act in bad faith.

When you need compensation for injuries you sustain in a car accident, there’s so much at stake. You need the Law Offices of Jay S. Knispel Personal Injury Lawyers in your corner to level the playing field and fight hard for every penny you deserve.

For a Free Case Evaluation, Call the Law Offices of Jay S. Knispel Personal Injury Lawyers  

The Law Offices of Jay S. Knispel Personal Injury Lawyers focuses strictly on personal injury cases, so we understand the intricacies of the insurance claims process and negligence law. If you’ve been involved in a car accident in New York City, we can help you through the claims process by making sure that it is complete and accurate. 

 

Call us today to get a free consultation with our experienced New York car accident lawyer. We’ll review your insurance policy, medical records, and other critical information, and help guide you through the complex car insurance claims process.