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Elmira Insurance Claims

If you have been injured in a New York car accident or other event that was not your fault, you may be eligible to file a personal injury claim. But dealing with a severe injury can be difficult enough without filing all the insurance paperwork necessary to submit a claim for compensation. Insurance companies know this, which is why they will often pressure you into accepting insurance settlements before the full extent of your injuries is known. If you accept insurance settlements without consulting a New York personal injury attorney first, you can quickly sign your rights away while you are still struggling to recover from your injuries.

The New York Law Offices of Scott C. Gottlieb & Associates, LLP have represented many clients injured in accidents. We know that serious injuries can have a significant impact that extends beyond the accident scene and that insurance settlements should always be enough to truly compensate the victim for damages — not just to pay the minimum amount.

If you or a loved one has suffered because of an accident and you need help dealing with an insurance settlement, call our Elmira, New York injury attorneys or contact us via our online contact form.

New York Insurance Laws

New York law allows you to seek compensation for medical expenses and lost income from no-fault insurance policies following a car accident, but the deadlines for doing so are strict. For instance, if you are hurt in a car accident, you may need to complete the following just to receive money for your medical bills:

  • File Accident Report: 10-day deadline.
  • File No-Fault Claim: 30-day deadline.
  • File for lost wages: multiple deadlines.
  • File for New York State Disability: 30-day deadline.
  • File Notice of Claim (if applicable): 90-day deadline.
  • File claim against other driver: no specific deadline, but you are encouraged to do it as soon as possible.
  • File claims with MVAIC (the Motor Vehicle Accident Indemnification Corporation – responsible for no-fault benefits for those injured by someone without insurance): multiple deadlines.
  • File SUM/UM claim (supplementary uninsured motorist /underinsured motorist): as soon as possible.

If your injuries were severe enough that you need more compensation than no-fault insurance will provide, then you may need to file a lawsuit – however, you will often still be dealing with an insurance company. For instance, if you were hurt by medical malpractice, your claim might be against the hospital, but you will end up dealing with the hospital’s malpractice insurance carrier.

Many businesses have their own insurance policies to protect their interests when someone is hurt – and while they have a legal right to do so, you also have the right to protect your rights.

You should never sign an insurance settlement for any injury without first consulting an attorney. Expert legal advice can make the difference between accepting an insufficient amount that will barely cover your medical bills and receiving an adequate damages award that will help pay for quality long-term medical therapy or cover the cost of your children’s college tuition in the event that your injury keeps you from working. Serious injuries come with a high cost, one that extends beyond the hospital bills – and your ability to buy groceries or cover your house payment shouldn’t be compromised because someone’s negligence has caused you harm.

Contact Our NY Insurance Claims Lawyers Today

At The New York Law Offices of Scott C. Gottlieb & Associates, LLP, we have helped countless New Yorkers handle insurance settlements. Experience counts! Our successful track record can help ensure that your claim is treated with respect and that you receive the maximum amount of damages allowable by law.

If you or a loved one has suffered because of an accident and you need help with an insurance settlement, call our Elmira, New York attorneys or contact us via our online contact form for a FREE case review. We also serve clients in Syracuse, Watertown, Rochester and Binghamton.

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