You’ve survived a car accident, but you’re now dealing with accident-related injuries. You may even still be in the hospital recovering from the wreck. You know you should file a claim to receive a check from your no-fault insurance company to pay for all the accident-caused expenses you’re dealing with.
You are being handed hospital bills, you are missing time from work, and you don’t even want to think about how your vehicle looks after the crash. Maybe your car has even been totaled. What are you going to do? How are you going to get the most out of your no-fault insurance policy to see that you receive the money you’re owed?
Understanding No-Fault Insurance in New York
Filing a no-fault insurance claim in New York is easy in theory, but it can be much more difficult than people imagine. Even your own insurance company doesn’t always want to pay you what’s fair for your accident and damages.
You may not have to prove that another party was at-fault because you live in a no-fault state, but that doesn’t mean you wouldn’t have to prove other things to your insurer. You will have to prove the extent of your injuries for one thing. You will also have to prove that the medical treatment you received was “reasonable and necessary.”
Why are Insurance Companies So Difficult to Deal With?
Insurers may try to deny part of your claim, suggesting that your injuries aren’t as serious as you’re claiming. They may refuse to pay you for some of your medical bills, by stating that the treatment wasn’t necessary.
The fact of the matter is that insurance companies will do anything they can to lower your claim’s value. They want to keep as much money as they can, so they will try to pay you less.
Hiring a Lawyer to Help With Your No-Fault Claim
Unless you know a lot about no-fault insurance you may want to look into hiring a car accident attorney. Your attorney can assist you greatly in dealing with your insurance company. Your attorney can argue your case, communicate with the insurance company, and keep them from taking advantage of you.
Assistance with Your Claim From an NYC Car Crash Attorney
You might not think it’s necessary to have a lawyer help with a no-fault claim, but it’s not a bad idea to have one. Your attorney will ensure that you are paid for your medical expenses, missed wages, and other benefits your insurance policy provides.
An NYC no-fault auto accident lawyer will also see that you file all paperwork accurately, that your losses are well documented, and that the insurance company treats you fairly.