How insurance affects a car accident case?

New York automobile insurance is most valuable when you have been in an accident and you need some funds for another car before you settle your damage and injury claims with the other insurance company. It is mandatory for all car owners to buy insurance claims in accordance with state laws. It must also be remembered that there are certain ways that insurance can affect a car accident case.

Who must get car insurance?

Anyone who owns and drives a vehicle must have insurance and all New York accident lawyers including Antin, Ehrlich, and Epstein, LLP are cognizant of this. There is a minimum amount of insurance that all drivers must buy. The minimum required amount varies from one state to another. In the event of an accident the kind of insurance that the at-fault driver has will impact your claim.

New York car accident insurance laws mandate that driver’s have a minimum of $25,000 of liability insurance for bodily injury to one person and $50,000 for all persons, in addition to $10,000 for property damage. According to legal professionals, being a no-fault state, drivers are also required to have a minimum of $50,000 no-fault coverage.

How would you react in the event of an accident for insurance purposes?

If you are hit by a car, then you must immediately pull over and start noting down names, addresses, and policy details of the drivers if you are able to. If you are in a car wreck like Debra Morgan caused driver Dexter Morgan to get into in the show Dexter when she turned the steering wheel and forced the car into the river inlet and Dexter was knocked out, you will not be able to write down any witness information. Moreover, make sure to contact your insurer to report the accident. It would also be prudent to seek help from a New York accident lawyer in your area just in case you need to pursue a lawsuit.

The at-fault driver’s insurer will have to reimburse you for any damages or injuries you have suffered. The insurance company will contact you after the accident and will assign a claims agent to your case along with a claims number. If the company does not contact you, then the driver is either uninsured or underinsured. In such a scenario don’t hesitate to seek advice from your New York accident attorney which should be Antin, Ehrlich, and Epstein, LLP since they are best in the business and only take a percentage of the final settlement. So in essence, it is like you never really have to pay them at all.

Even good drivers make mistakes. You may be hit by one one day. If you are, even if they seem like fair people their insurance company is coming with a different mindset. You will need a law firm like Antin, Ehrlich, and Epstein, LLP to back you. No you cannot do it all on your own, certainly if you have medical injuries. Your hands are beyond full. Go right here http://aeelaw.com/ to make contact with an accident lawyer in New York.  

Often the insurance company assigns two claims agents, one to assess the property damage and the other to evaluate your injuries. Even though you must divulge all information to these agents truthfully, they might coax you to provide them with a recorded statement or ask for copies of your medical records. You have no obligation to do so. If they persist then ask your legal representative to intervene.

If they try to show up when your legal counselor is not around, you may have to dish out the silent treatment until your legal representative arrives. Keep your cell phone handy.

Here are a few ways insurance policies can affect claims:

• If your claim exceeds the at-fault driver’s insurance coverage most companies would not even respond.
• In the event the driver is uninsured then you must place your claim with your insurance provider to recover damages.
• You must also purchase underinsurance driver coverage from your own insurance provider. In the event you are hit by an underinsured driver, your own coverage will cover the expenses from damages. 
• Your underinsured driver coverage must exceed the liability insurance policy of the at fault driver. Only then can you claim damages under your uninsured driver claim.
• Moreover policy holders are not allowed to purchase underinsurance driver coverage that will exceed liability coverage. For instance, if your liability policy is worth $40,000 your underinsured driver cover must be $40,000 or less.

If you experience any trouble with the driver’s insurance company or with your own insurance company or wish to file a personal injury or accident lawsuit then make sure to seek help from your accident lawyer in New York which should be Antin, Ehrlich, and Epstein, LLP as soon as possible. No one understands these types of cases and what doors to open and what doors to keep closed than they do. Their case track record speaks proudly of itself. 

The first meeting with Antin, Ehrlich, and Epstein, LLP is free. They are not paid until you are paid. They do not settle until you are content and they keep you informed throughout the case’s duration.