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A New York Accident Lawyer Can Help You Understand the No-Fault Insurance System New York City is a city where car accidents are frequent. Certain accidents could cause serious injuries, even if they are just minor collisions. The injured party should call 911 and seek medical attention immediately. A New York car accident lawyer can assist victims with their legal issues after an accident. They can help them obtain compensation for their medical bills and lost wages. No-fault Insurance New York is a no-fault insurance state, which means that drivers, passengers, pedestrians, and bicyclists are automatically covered by their own automobile insurance policies for medical expenses, lost wages, and other accident-related expenses. This system has safeguarded those who have been injured in car accidents from being weighed down by out-of-pocket expenses. However it is crucial to know what it means. To be eligible for No-Fault Insurance you must satisfy a few criteria. First and foremost, you must have been injured in an accident in New York. You must also be a driver, passenger in the vehicle insured, or a cyclist or pedestrian struck by the vehicle. The injured person must be treated in a hospital or an authorized provider. Additionally you must have suffered an “serious injury.” New York State Insurance Law defines serious injuries as permanent loss of function or disfigurement. These are all extremely severe injuries, and could have a significant negative impact on the person's life. If you've been injured in a New York car accident, an experienced New York injury attorney can assist you in getting the compensation you deserve. After a serious auto accident A lawyer can help you in a variety of ways. They can provide you with legal options, conduct an extensive investigation, and bargain with the insurance company on your behalf. They may also make a court-filed lawsuit on behalf of you against the negligent driver responsible for the crash. Following a serious car crash you could face astronomical medical bills, lost wages, and other expenses. These costs can be covered by no-fault insurance, and you should seek medical attention immediately after a car accident even if it seems like you are fine. If you are unable return to work, no-fault will pay for 80 percent of your lost wages up to $2,000 per month. It also covers a number of your out-of-pocket expenses, like the cost of household assistance. Insurance companies will often schedule an IME (Independent Medical Examination) or EUO, or an Exam Under Oath. You must show up for these appointments, since failing to do so could result in an appeal to the benefits. Pure faults that are comparable In many cases of car accidents plaintiffs may be liable in part or full for the accident. The law grants injured parties to be compensated according to their percentage of blame. This is known as pure comparative fault. Pure comparative differs from modified comparative, which caps the amount a person could be found to be owed to prevent the claimant from obtaining financial compensation. Modified comparative-fault states usually place the bar between 49 and 51 percent. In the event of a car crash, the plaintiff must prove two things to be legally accountable for the crash: negligence and causality. Negligence is the act of breaking a law or acting with unreasonable carelessness. Causation is the process by which the negligence directly led to the injury. To establish legal liability the plaintiff has to show the economic losses that result from their injuries like medical bills, lost income and travel expenses for appointments. Non-economic losses can include emotional trauma, suffering and pain. New York is one of the 13 states that have absolute comparative fault laws, which means that injured parties are still able to seek compensation even in the event that they are partly at the fault. If the claimant is found more than 50 percent responsible, they are unable to claim damages. In this case it is essential to work with a skilled attorney. Comparative fault can be applied to any personal injury or wrongful death instance in which the victim (or heirs) have suffered mental or physical injuries. The concept of comparative blame is more complicated in the case of wrongful death. It is crucial to grasp the concept of comparative negligence when filing claims for compensation following an accident in New York. Your lawyer will help you determine the extent of your personal responsibility to the accident, and work with insurance companies to ensure that you get the maximum amount of compensation for your injuries. Joint and multiple liability may also apply if there are several defendants. This is a method that divides the judgment between all defendants if the jury determines that you are jointly and severally responsible for the incident. This is a great method to ensure that you get the maximum amount of compensation for your injuries. The tactics of the insurance company The aftermath of a car crash can be equally stressful. Injured victims are often confronted with medical bills, lost income due to being unable to work or suffer physical pain. They also have to worry about whether they can cover rent and other daily expenses. They don't have to be subjected to the delay tactics employed by an insurance company to convince them to accept low settlement offers. Insurance companies exist to earn money. They do this by refusing or cutting your claims. Insurance representatives will use any tactic they can to prevent you from obtaining the compensation you are entitled to. This is why it's crucial to find an New York car accident lawyer to level the playing field. The lawyers at Mirman Markovits & Landau PC have years of experience fighting for the rights car accident victims. Our lawyers will take on insurance companies' sneaky strategies. Insurance companies will do everything in their power to delay your claim or stall negotiations to save as much money as possible. They will also try to avoid accountability by arguing that your injuries aren't directly related to the crash, or do not require treatment. They could even argue that your accident was caused by a previous medical condition. In some instances the insurance adjuster might offer a settlement that seems reasonable. This is a common trick that many people fall to. This offer is much lower than the amount you must pay to cover medical expenses and other damage. The law in New York requires all drivers to carry no-fault insurance. However, it is not uncommon for people to be injured when driving or riding in another's vehicle. Some of the most common causes of accidents are distracted driving, reckless driving, and speeding. Distracted driving happens when a driver uses a device while driving to send or receive text messages, make phone calls, or listen to music. Distracted driving can result in drivers losing control of their vehicle and causing serious accidents. Other causes of crashes are drunk driving, road conditions and weather. Reckless driving You may be entitled to compensation if you have been injured in an accident caused by reckless driving. A New York City reckless driving accident lawyer can assist you examine the crash to determine all parties that could be responsible for your injuries and losses. They may also file a lawsuit or claim against the driver to recover damages. According to the New York criminal code, reckless driving is defined as driving a vehicle in a manner that it puts other motorists or cyclists, pedestrians, and cyclists at risk. To convict someone, a policeman must show more than mere negligence or recklessness. This means that the officer must prove that the driver knew their actions were likely to cause an accident or put others in danger. In some instances, even a minor traffic violation could be viewed as a type of reckless driving in New York. For example, running a red light or stop sign could result in serious injuries and accidents. If a driver is caught driving recklessly, they may be convicted of misdemeanors and be subject to fines or even jail time. Incorrect driving can cause serious injuries to cyclists, pedestrians, and motorists. Anyone who is found guilty of this offense will have points added to their license and could be subject to massive fines. Reading injury lawyer could result in driving's premiums rising substantially. It's important to hire a New York reckless driving accident attorney who will ensure the driver is found guilty in a fair manner. The reckless driving laws in New York are extremely strict and could result in severe penalties, including fines and imprisonment. The severity of the penalty depends on a variety of factors, such as the severity of the accident, as well as aggravating circumstances. A reckless driving conviction can also result in the suspension of a driver's license. A reckless driving accident lawyer who is experienced will know how investigate the cause of an accident and gather evidence to demonstrate your innocence. This evidence could include witness statements, phone records to check if the driver was distracted, photos and videos of the scene of the accident, official medical reports and toxicology reports. They will prepare the necessary paperwork, file and then litigate lawsuits or insurance claims with the aim of getting you maximum compensation for your injuries.