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Video Guide on Motor Vehicle Accident Claims management

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Commonly Asked Questions about Motor Vehicle Accident Claims

New York is a no-fault insurance state. That means each drivers insurance company will pay for medical expenses and lost wages regardless of who was at fault in the accident. However, if the injuries are severe, a driver may be able to sue the other driver for additional damages.
You must show your drivers license, vehicle registration card, evidence of financial responsibility, and current address to the other driver or persons involved, or to a peace officer.
How Is Fault Determined In NY Auto Accidents? In the state of New York, fault in car accidents is determined based on the Comparative Fault approach, with each driver accepting a percentage of the fault anywhere between being found not at fault at zero percent and being found completely at fault at 100 percent.
Because of New Yorks No-Fault law, lawsuits due to auto accidents can be brought only for economic losses that exceed No-Fault benefits and for non-economic damages (such as pain and suffering) only if a serious injury (as defined in the Insurance Law) is sustained.
New York is a no-fault insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident. Insureds can be reimbursed for medical costs and other losses that might surface after the accident.
If any person is injured or killed, the police must be notified immediately and you should make sure ambulance or rescue personnel have been called. If possible, move your vehicle off the road. Protect the scene with reflectors or flares, but watch for any fuel that may leak.
While insurers must acknowledge claims and start an investigation within 15 days, there is no specific requirement that the investigation be completed or the claim be resolved within a particular period of time. Instead, an insurance company must process claims in good faith.
To make a valid insurance claim, you must report your accident and injuries to your insurer within 30 days of the accident. Whether or not you submit your claim on time, you may also be able to recover compensation through a lawsuit if your injuries are serious.