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How to File a Car Crash Claim in New York It is essential to file a claim immediately after you are involved in a car crash This will ease the claim process and help you collect compensation The longer you delay waiting to file your claim the more likely other drivers insurance company is to refuse to pay or pay less than it should Damages A claim for car accident compensation can help you pay for the financial costs of your injuries These damages can include medical expenses along with lost wages the pain and suffering You also may be entitled to compensation for damage to your vehicle in the event you were the one to blame in the accident The lawyer you hire is expected to be able to determine noneconomic and economic damages when determining your car accident compensation moreno valley car accident attorney as emotional trauma mental distress and PTSD can have a significant impact on your life and should be considered in your claim The amount you are entitled to to cover your mental and physical suffering will depend on the severity of your injury the type of liability insurance coverage available and the level of expertise of your NYC car crash attorney Insurance companies are trying to devalue damages that arent quantifiable through financial means like psychological trauma or irreparable harm Your NYC car accident lawyer will carefully examine your claim and determine the exact dollar amount you must pay to cover these intangible expenses They will consider the severity and nature of your injuries and the prognosis for the future If you arent able to pay for any of the expenses of your injuries through your own insurance policy you must consider filing a personal injury lawsuit against the other driver responsible for your accident This is typically the only way to get an appropriate settlement for your medical bills property damage and other expenses If your damage is covered under your own insurance policy or an external third party the faster you make a claim the more favorable The insurer will send an appraiser on the scene to evaluate the extent of your vehicles damage and the injuries You will then work with them to negotiate a settlement or contest it in court if needed You could be able to get additional compensation from the other driver through small claims court In order to prove their claim the insurance company of the other driver needs to present a case with witnesses to the court This process can be slow but it can result in an amount of money being paid by the insurance company of the driver who was not insured Medical bills If youre injured in a car crash your medical expenses will likely skyrocket Doctor visits in the emergency room are likely to be covered by insurance but you may be required to pay for ambulance costs and other types of medical treatment that arent covered under your policy If you have health insurance the doctor you see will likely send an invoice to your health insurance provider and the company should cover the cost for you You would then be responsible for the remainder of your medical expenses including copays and deductibles which are covered in your policy In New York it is mandatory for all auto owners to purchase Personal Injury Protection PIP insurance to cover your initial medical expenses following a car accident NonPIP insurance holders can submit a claim to their insurance company to obtain reimbursement for medical expenses The insurance company of the atfault driver will typically cover the initial medical treatment you receive up to the limit of their liability insurance It could take several days or weeks for an insurance company to take care of a claim and to issue the payment Insurance companies will not automatically pay for your future medical costs after the settlement agreement or the verdict has been reached Tragos Sartes Tragos can help you with any questions or further treatment An attorney will work with your to ensure that all medical expenses are included in your car accident claim They will gather documents of your medical treatments like an invoice from a doctor or receipt and collect statements from health care providers that confirm that they have provided the medical services you required The expenses of your medical bills can quickly mount up and leave you wondering how to pay for the costs of treatment Tragos Sartes tragicos has the expertise to assist you in understanding your options and get reimbursed for your medical expenses They will also be able to answer your questions regarding how to pay for medical expenses until the settlement of your car accident claim Loss of wages If youve suffered injuries in a car accident It is important to be aware that you could be entitled to lost wages Most of the time these are paid out of nofault insurance or in an individual injury lawsuit against the driver responsible for the accident The easiest method to calculate lost wages is to count the days the employee was away from work and then add the amount they would have made if they had been working This includes bonuses tips and other income earned by employees For selfemployed individuals However it can be challenging and even confusing to prove lost wages Because selfemployed people have very minimal or no documentation this is why Your attorney may seek documentation from the employer to prove the loss of wages This could include a Wage Verification Form You will also need to provide check stubs payroll records or any other proof of lost income It is an ideal idea for your employer to give you a list of any lost benefits like vacation pay or sick leave These benefits are typically included in calculations of lost wages as they can help to cover expenses for employees who are off work due to an injury You are entitled to a reimbursement any time you have used your sick leave vacation or PTO following an accident This is due to the fact that you were required to be absent from work and it is therefore a valid form of compensation This information can be used by your car accident lawyer to calculate the lost wages damages to which you are entitled This is usually done by using your most recent and current pay stubs as well as bank or income tax records which show a decrease in your earnings It can be a bit complicated and difficult to prove lost wages It is crucial to find an experienced accident lawyer who can assist you The right attorney will defend you and your rights and ensure that you receive the highest amount of compensation Pain and suffering In New York you are able to receive compensation for your pain and suffering as a part of a car accident claim This kind of compensation is usually the largest of a personal injury case It covers physical and mental pain and suffering Insurance companies and attorneys employ a variety of methods to determine the right amount of money that is needed for suffering and pain They can choose from the multiplier approach which utilizes a fixed amount for every dollar of economic losses medical bills and lost wages and the per diem method which allocates a set amount of money for each day that you were injured prior to full recovery The multiplier method is the first It involves multiplying your economic damage by a figure ranging from 15 to 5 This is usually used for accidents that cause injuries that arent severe but they arent severe with a short recovery time and no permanent disability A multiplier that is more for serious injuries is required This is because the damages a victim suffers from the pain and suffering are typically more durable than economic damage A settlement in a car accident that covers suffering and pain must also reflect the emotional trauma that occurred from the collision These damages could include PTSD depression anxiety as well as other psychological injuries which affect a persons quality of life These kinds of feelings can also have significant impact on the lives and relationships of family members like spouses and domestic partners An experienced personal injury lawyer will be able assist you in determining the appropriate amount of money to cover your pain and suffering They will gather evidence such as medical records witness statements and other relevant evidence that can prove the seriousness of your injuries For example if your injury is a traumatic brain injury a doctors notes and a written pain management plan can be incredibly helpful If your injuries are longlasting or result in the loss of enjoyment from life A diary that records how you feel each day can be beneficial An attorney is the best way for you to get fair compensation for your injuries and pain following an accident in the car They will negotiate with insurance companies and present evidence that supports reasonable and fair compensation