How To Outsmart Your Boss On Auto Accident Compensation
Why You Should Consult With an Auto Accident Lawyer
The no fault auto accident attorney insurance law covers injuries and property damage unless the negligent driver was not insured. It's important to consult with an attorney in the event of a car accident prior to making a recorded or written statement to an insurance company.
Oral and written statements can be used against you in the event that your case goes to trial. An experienced attorney for car accidents will know how to properly make a case and then try it for maximum value.
Damages
There are two main categories of damage a victim may receive after a car crash: economic and non-economic. Economic damages are easily quantifiable. Medical bills, lost wages and car repair costs are a few examples. Non-economic damages are harder to quantify. They can be a result of suffering and pain, loss of enjoyment of life, and emotional stress.
An experienced car accident lawyer can assist victims in claiming the maximum amount of compensation. They can also fight to obtain a fair settlement from the insurance company of the driver at the fault. If the insurance company is unable to agree to payment, they can bring the case to court.
A good car accident lawyer must ensure that victims are held accountable for all of the potential losses and expenses. They can accomplish this by collecting as much evidence as possible at the scene of the accident. They can, for example capture images of the accident scene and collect information from witnesses. This will prevent the insurance company from trying to deny or undervalue your claim.
A car accident lawyer can also help victims calculate their total costs. This includes future and past medical treatment as well as any expenses related to the home or hiring someone else to do chores or cook if the injury makes it impossible for the victim to complete these tasks.
Medical bills
Medical bills can quickly add after a car accident. Even if you have no-fault insurance or a settlement from a personal injury suit and the bills aren't going away. You need help paying them now, not later.
Luckily, there are two easy ways to get your medical bills paid through your car insurance and your health insurance. In New York, the former is called Med Pay and covers your first medical costs in the event of an auto accident, regardless of who was the cause. The latter is usually covered by the state (Medicare) or an insurance plan that is private.
You should always go to the doctor following an accident, particularly when you're feeling unwell or think your injuries aren't too severe. A quick examination can ensure that all injuries are identified and treated, including any internal injuries. Additionally, your visit will generate the medical report that could be crucial in the event of a lawsuit.
When these two options have been exhausted, you may use the at-fault driver's liability insurance if their policy is sufficient to cover your damages. However, you'll have to pay for your own deductibles and copays. After a settlement is reached with the person who was at fault you will be reimbursed for all accident-related costs. This is the reason it's essential to keep in mind all your bills and anything you spend out of your pocket.
Lost wages
In addition to medical expenses and property damage, a serious accident in the car can result in lost wages. It can be extremely stressful to meet your financial obligations when you are unable work due to an injury from a car accident. You may have to rely on your personal savings or borrow money from family members until your case is settled. A seasoned New York car accident attorney can examine your case and determine if you have an appropriate claim for loss of earnings.
In the event of a car accident, a judge can make a decision to award compensatory damages to compensate you for the amount you would have earned had you not been injured. Hourly wages, overtime and benefits are all part of the definition of "economic damages." This payment is designed to restore you to the financial position that you were in prior to the accident.
A judge will determine the amount you've lost if you have to miss work due to injuries, by reviewing a document that confirms the plaintiff's hourly or salary and the length of time you were off work. Bank statements and paycheck stubs are also relevant. Profit-and-loss accounts, tax returns and profit-and-loss reporting can also be included.
In addition to losing income, an auto accident law firms accident lawyer could seek compensation for lost earnings potential. This is a difficult aspect of your damages that can be difficult to prove and will require the assistance of an expert witness.
Pain and suffering
You could be left with unpaid medical expenses, damage to your property and income in the event of an accident that is serious. You could also be suffering from psychological and emotional trauma. The pain and suffering you endure can be real and requires compensation. A lawyer can assist you to receive the compensation you deserve.
A lawyer can also assist you navigate dealing with insurance companies. Since insurance adjusters have their own financial interests in mind, they often try to limit or deny your claim. A car accident lawyer can defend you from these tactics and negotiate for an appropriate settlement of your damages and losses.
Note all expenses and property damage you have incurred as a result of the accident. This includes medical bills, repair estimates as well as receipts for any damaged items. It is also essential to take photos of the accident site and your injuries. It is best to avoid discussing the accident with anyone, besides police officers and medical professionals.
A lawyer can also help determine who is responsible for the accident. New York is a state that utilizes "comparative negligence", which means that the amount you pay for damages will be reduced by the percentage of your fault. In some cases a corporation, a city or state agency, a sanitation company or public transportation service may be the liable party.