For those who have been involved in an automobile accident, proceeding without the guidance of an attorney can be difficult. On the one hand, failing to properly report a claim in the required timeframe after an accident may invalidate your insurance coverage. On the other hand, anything you say when reporting the claim to insurers, law enforcement, or other involved parties may follow you to the courtroom if the incident leads to litigation.
Furthermore, if you're a driver in New York, then your insurance coverage is required by law to provide certain coverage even if you're in an accident that is ruled no fault. While this is not a perfect system, it does provide some security for many who are injured or kept from work by an accident. However, only carrying the minimum coverages for no fault accidents and uninsured motorists can lead to insurers dropping the ball when you need them the most.
Indeed, it can be tricky business to know how to safely and effectively protect yourself as a driver in New York.
Rethink your coverage before you need it
While it is unfair to characterize all insurance companies negatively, there is plenty of evidence to suggest that insurers regularly do not put the needs of their clients above their own profit margins.
We are not here today to get into the finer points of business ethics, but it is important to keep this in mind when you are considering what coverage to carry as a driver.
As a general rule, if you are only carrying the minimum required coverage, there is going to be very little negotiating room if you end up in a situation of great need.
The nominal added expense of increasing your automobile coverage levels can be a life saver when it comes to negotiating payouts and coverage of expenses with your insurer, especially in the areas of no fault and uninsured motorist coverage.
The greater your coverage, the more negotiating clout you can have when you need it.
Have an attorney advise you immediately following any accident
Knowing how to comply with the law while protecting yourself and your future claims in an accident can be difficult. The best course of action whenever you have been in an accident is to seek the guidance of an experienced attorney as soon as possible, for several reasons.
With the proper legal guidance, you can ensure that you are complying with the law and not creating barriers for yourself to compensation and fair coverage later on, while simultaneously protecting your rights and ensuring that you are not incriminating yourself to law enforcement or other parties who may use any statements you make against you.
When it comes to getting the most out of your coverage, a fair settlement or full medical coverage following an accident is unlikely to come knocking on your door. The representation of an excellent attorney can help ensure that your insurer keeps up their end of the deal, especially for no fault and uninsured motorist accidents, which are notoriously frustrating.
By establishing a relationship with an excellent attorney before you need it, you'll know exactly whom to call when an accident does occur. Then, you can proceed with confidence knowing you have someone fighting to protect your rights and see that you receive all the care you need, no matter how severe your injuries and losses may be.