In the event of a motor vehicle accident in New York, the “basic economic loss” of each party involved must be covered by the no-fault insurance policyholder. Expenses up to that amount can be anything from medical bills to lost pay to a car repair. This may involve things like out-of-pocket costs and time away from work. Discuss your case with a car accident lawyer in Syracuse.
New Yorkers who seek to assert a claim for pain and suffering generally need to show a “severe injury” as that word is defined by law, while “basic economic loss” is compensated by the no-fault insurance provider regardless of culpability. In terms of personal injury, the following outcomes qualify as “serious”:
- The injured party has a non-permanent impairment that prevents them from performing substantially all of the acts that constitute their occupation. Among these conditions are death, dismemberment, significant disfigurement, a fracture, fetal loss, loss of an organ, part, function, or system permanently, long-term consequences limiting the use of an organ, member, function, or system, and significant limitations on the use of body functions.
- Some of these groups are very self-explanatory, while others need a bit more background. How, for instance, does one determine what constitutes a “substantial limitation of use” as opposed to a “non-significant limitation of use”? Obviously, this is a question that turns on the specifics of the case at hand, but thankfully, the courts have established some pointers. You should consult a lawyer for clarification.
- One common concern following an auto accident that results in several insurance claims is whether or not it will result in an increase in premium costs. In actuality, persons wounded in an automobile accident should endeavor to pursue all insurance claims that will maximize their compensation for pain and suffering, including a claim against one’s own insurance carrier in the case of an uninsured motorist (“UM”) claim. Prepaid insurance premiums may now be used to cover a variety of vitally important risks.
When it comes to filing an insurance claim, the rules and deadlines vary depending on the type of coverage you have. Lawyers can assist clients in pursuing compensation for medical bills, lost wages, and other costs associated with recovering from injuries sustained in auto accidents, including damages for mental anguish.
