What to do if You've Been in a Car Accident & it Wasn't Your Fault
What to do if You've Been in a Car Accident & it Wasn't Your Fault - NY Attorney Brian Schwartz 212.406.1700 New York personal injury attorney Brian Schwartz explains to you why it is so critical you inform your own insurance company in the event of an accident, even if the accident was not your fault. According to state law, you will need to inform your insurance company that you've been in an accident with your vehicle, even if the other driver was at fault. This has to do with the options you have in your own policy. As the insured driver, you hold several different options within your own insurance policy that can become a valuable tool if you've been injured. Insurance policies in New York fall under a no-fault benefit situation. Basically, no matter who is at fault for the accident reparations are made to help you recover from injuries. Why they may help cover some of the doctor bills and hospital stays, it doesn't fully make you whole again. It does not cover costs such as lost wages. However, your insurance policy options may give you the chance to recover in that area if you're carrying underinsured or uninsured motorist coverage. This allows you to collect from your own insurance company even if the other driver has little or no insurance coverage of their own. You need to be fully aware of your benefits and notify the insurance company immediately of an accident so that you're able to file for these type of claims after your injuries.