For many people, being involved in an accident is a stressful experience. In addition to physical injuries, you may worry about how to pay for medical care and other costs associated with the accident. However, you may not be responsible for all of the expenses related to the accident. Depending on the circumstances, your insurance company or the other driver's insurance company may cover some or all of the costs. An experienced personal injury attorney can help you understand your rights and options after an accident. Contact our office today for a free consultation.
If You ARE at Fault
In the unfortunate event of an accident, the financial responsibility resulting from damages can be daunting. However, if you are found to be at fault for the incident, your insurance company will generally be held liable in terms of assuming the cost for those damages. It is important to refer back to the specifics outlined in your personal automobile policy to determine what type and amount of coverage is available to you in such a case.
However, it is important to note that New York is a no-fault insurance state which means that drivers involved in an accident will receive coverage regardless of fault. Unless there are aggravating factors like driving under the influence or driving recklessly, insurers must provide coverage for the policyholder after an accident.
If You Are NOT at Fault
Being involved in an accident can be terrifying, and the resulting stress compounded with anxiety over medical bills can seem like an unsurmountable burden. However, if you were not at fault for the accident, then it is the other driver's insurance company that may be on the hook for the greater portion of the damages. Additionally, if the other driver does not have insurance or is underinsured, then you may need to file a claim.
What If the Other Driver Is Uninsured?
The financial repercussions of a motor vehicle accident can be significant, especially if the other driver does not have sufficient insurance coverage or if they are completely uninsured. If you have UIM or uninsured motorist coverage, your insurance company may provide additional coverage if the other driver is uninsured or underinsured. It is important to take steps to ensure you are adequately covered during times of uncertainty to avoid unexpected costs in case of an accident.
Legal Options
In many cases, individuals who are involved in car accidents may be able to claim compensation for medical expenses related to the incident. Suing the other driver or liable party in civil court is one potential method of recovering those costs. While facing legal action can be intimidating and nerve-wracking, if you have suffered severe injuries or lost a loved one due to the other party’s negligence, pursuing a civil case could result in obtaining damages that they legally owe you. Consulting with a lawyer experienced in personal injury law can help you understand your options and make informed decisions about how to proceed.
Seni Popat Can Help
If you have been involved in an accident and are dealing with the related added stress and financial worries, it can be difficult to know where to begin. Fortunately, speaking with an experienced attorney can help bring clarity to your situation by looking at all options and coming up with a plan tailored to your unique circumstances. The sooner you connect with legal representation, the more options there may be available to you.
Contact the Law Office of Seni Popat, P.C. for more information.