The unfortunate reality is that, at one point or another, all motorists are going to be involved in an automobile accident. Congested roads, poor weather and visibility, reckless driving and poor judgement contribute in the occurrence of tens of thousands of accidents annually in the state of New York.
At Deutsch & Schneider, LLP, we can help you recover your losses which may arise from pain and suffering, loss of companionship, lost wages and medical expenses.
If you are injured in an automobile accident, see a doctor as soon as possible. Potentially serious and costly injuries may seem trivial at first.
Where accidents occur within New York State, automobile insurance policies include provisions for payments to drivers operators and passengers of automobiles, and to pedestrians for medical expenses, lost wages, and other expenses, regardless of fault. This is called no fault automobile insurance whereby persons injured in a motor vehicle accident are eligible to receive benefits which include: necessary medical and rehabilitation expenses. Lost earnings up to $2,000 a month for up to three years from the date of the accident. There is a 20% reduction of actual lost earnings. Up to $25 a day for a year for other reasonable and necessary expenses incurred because of the accident, such as the cost of hiring a housekeeper to perform the household services usually performed by the injured person.
These benefits are payable regardless of who was to blame for the accident. This is why it is called “No-Fault”. Under no fault, you, as an accident victim, retain the right to sue a negligent operator and owner of a covered vehicle for personal injury losses where medical expenses and other economic losses exceed $50,000, if you suffer an injury which results in significant disfigurement, a fracture, or other kinds of significant injury as defined under the no fault law, injury resulting in death, and when the injured person or the person at fault does not have insurance complying with the New York State minimum provisions.
New York State requires a minimum of $25,000/ $50,000 personal liability coverage, $10,000 in property damage and $50,000 in the event of a wrongful death; in addition to the no fault coverage.
At Deutsch & Schneider, LLP, we can help you focus on your recovery, while we handle the liability, bodily injury and no-fault insurance claims and if necessary, legal action, for you.