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If you want someone who’s going to treat you with respect and as a human being and always have your back I repeat always have your back and always in your corner I recommend that you go to Siler & Ingber. I promise you, you won’t feel cheated. Top notch lawyers & staff that will have your back no matter what.
I am extremely grateful to Ron Ingber and his staff for their support and guidance this past year after suffering from a physical and emotional traumatic automobile accident. I especially want to thank Chris Longman, Jeffrey Miller and Yojaira Fernandez for their expertise, guidance and patience.
Ron Ingber and his office are incredible and responsive in listening to the needs of their clients and effectively making sure the that their clients are heard and that they matter. For me and my family we see Ron and his firm as family; and highly recommend to anyone!!!
Whether you need to file a no-fault claim with your own insurance, seek compensation from another driver, or pursue damages from a third party, we can help you successfully conclude your claim.
From soft-tissue damage and bone fractures to catastrophic brain and spinal damage, a personal injury could qualify you to seek financial compensation from the party responsible for causing your accident.
Commercial trucking accidents are often complicated, as any of the parties involved with running and operating the truck could bear some of the blame. Our firm can help you determine who’s responsible.
As an injured motorcyclist, you have to be careful that an insurer doesn’t try to blame you for what happened. Let us help you build a case that proves who was truly at fault for the crash.
You might be eligible for far more than just work comp if a third party or willful negligence were involved in causing your construction injury. We’ll help you get fully compensated.
If a fatal accident caused by someone else’s carelessness or poor judgment led to your loved one’s wrongful death, we can help you seek the justice and compensation your family deserves.
When you visit a doctor, you never expect to become a victim of medical negligence. With our help, you can hold a careless healthcare provider accountable for the injuries or illness you’ve suffered.
You shouldn’t suffer an injury because a property owner failed to take care of a hazard that was dangerous to visitors. Let us help you prove their responsibility and recover compensation.
Burn injuries can be devastating to both your physical and mental health. Recovery is often long, complicated, and expensive—especially if the burn is severe.
Riding the bus has its ups and downs, but getting caught in the middle of a crash involving a bus can have lifelong consequences for everyone involved.
If your elderly family member has been abused or neglected in a home, your family deserves compensation from those responsible.
Siler & Ingber, LLP has a proven record of getting results, whether in the courtroom or at the negotiating table. We win over 98 percent of our cases, and we are aggressive in obtaining compensation for our clients.
When you need a winning new york personal injury lawyer who truly cares about you as a person.
We only win when you do!
Suffering a serious injury in an accident can certainly throw your life into chaos. From medical bills to emotional trauma, and lost income, you can rapidly find yourself in a situation where you simply don’t know how to get your life back on track. When someone else is at fault for what happened—whether it was a car crash, work injury, medical malpractice, or another type of accident—it can add a sense of injustice that makes things unbearable.
Siler & Ingber, LLP believes in being a part of the community that we serve. We don’t just help people get what they need to move on from unfortunate accidents, we actively give back to the community. We don’t want to see our friends and neighbors get injured, so we make it a point to make information available that can help keep you and your family safe.
Dictionary
per·son·al in·ju·ry
/ˈpərs(ə)n(ə)l ˈinj(ə)rē/
noun
LAW
noun: personal injury; plural noun: personal injuries
“there is a clause giving protection against liability for personal injury”
*If you call us, one of the first things we’ll ask is, ‘Did you go to the Doctor?’. A doctor signing off on an injury is one of the key pieces of information needed to start a personal injury case.
There are many, and they are complicated. But that’s why we’re here.
The thing about accidents is that they can happen anywhere at any time. Whether you’re in a grocery store, lobby, parking lot, or even on an icy sidewalk, in busy areas like New York City and Long Island, it can be very easy to have a simple slip, trip, or fall. In most cases, these will likely result in nothing more than a little embarrassment, but they can sometimes cause serious injury. When this occurs, it falls under an area of law known as premises liability. While this may sound technical, the concept is pretty straightforward: property owners have a responsibility to maintain safe conditions for the people who use their property, and when they fail to do so and someone is injured, they may be held legally responsible. Understanding how premises liability works in New York can help injured individuals recognize their rights and determine whether they may have a valid claim, so we thought we would take a closer look. What is Premises Liability? Premises liability refers to the legal responsibility property owners and occupiers have to maintain reasonably safe conditions on their property. This applies to many different types of locations, including apartment buildings, retail stores, restaurants, office buildings, parking garages, and private homes. Under New York law, property owners are expected to address hazards that they know about, or should know about, within a reasonable period of time. If they fail to correct or warn visitors about dangerous conditions, they may be liable if someone is injured as a result of a slip, trip, or fall. Common Causes of Slip, Trip, and Fall Accidents Slip-and-fall accidents can occur for many reasons, but are often due to a hazardous condition left unaddressed. One of the most frequent causes is a wet or slippery floor, usually due to spills, freshly mopped surfaces, or leaks. In colder months, snow and ice on sidewalks or entryways are also common hazards throughout NYC and Long Island. Another major issue involves uneven walking surfaces. Cracked sidewalks, loose tiles, damaged flooring, or poorly maintained stairways can easily cause someone to trip, while dim lighting in hallways, stairwells, or parking garages can make these hazards even more dangerous. Obstructions in walkways also contribute to many trip-and-fall accidents, with boxes left in aisles, electrical cords stretched across floors, or cluttered pathways often creating dangerous conditions for customers, tenants, or visitors. Common Injuries from Slips and Falls Slips, trips, and falls can happen for all sorts of reasons, so injuries can vary considerably depending on the circumstances. However, some of the most common injuries include broken bones, sprained or torn ligaments, and head injuries, while in more severe cases, falls could even lead to spinal injuries, hip fractures, and traumatic brain injuries. Older adults are often more vulnerable to severe injuries from falls, but people of all ages can experience significant harm when a dangerous property condition causes an accident. Proving Liability in a Premises Liability Claim Not every slip or trip automatically results in legal responsibility for a property owner. In order to pursue a premises liability claim in New York, certain elements must generally be established, and first, it must be shown that a dangerous condition existed on the property. This could involve evidence such as photographs, maintenance records, or witness statements. Second, it must be demonstrated that the property owner either knew about the hazard or should reasonably have known about it. This concept is often referred to as constructive notice; for example, if a spill remained on a grocery store floor for a long time without being cleaned, the store may be considered to have constructive notice of the danger. Finally, the hazardous condition must have directly caused the injury, and medical records and accident reports can help connect the fall to the injuries that followed. Because each case is different, gathering and preserving evidence soon after an accident can be extremely important. The Importance of Documentation If you are injured in a slip, trip, or fall accident, taking steps to document the situation can help protect your rights. Photographs of the hazard, whether it’s a wet floor, broken step, or icy walkway, can provide valuable evidence of the condition at the time of the accident, while reporting the incident to the property owner or manager creates an official record that the event occurred. Medical treatment should also be sought as soon as possible, as medical records not only help ensure proper care but also provide documentation linking the injury to the accident. Witnesses who saw the fall or the hazardous condition can also help clarify what happened. Time Limits for Filing a Claim Like all personal injury claims, premises liability cases are subject to legal deadlines. In New York, the statute of limitations for most personal injury claims is generally three years from the date of the accident. However, if the accident occurred on government property, such as a public sidewalk maintained by a municipality, additional notice requirements may apply, sometimes within as little as 90 days. Because these timelines can vary depending on the circumstances, acting promptly is important, and waiting too long can make it harder to gather evidence and may limit your legal options. Understanding Your Rights Slip, trip, and fall accidents may seem like everyday incidents, but when unsafe property conditions are involved, they can have serious consequences. Premises liability laws exist to encourage property owners to maintain safe environments and to provide a path to recovery when negligence causes harm. By understanding how these claims work, injured individuals can better protect their health, rights, and financial future. Recovering from a fall can involve more than just physical healing. Medical expenses, lost income, and ongoing treatment can create financial pressure for injured individuals and their families, and an experienced personal injury attorney can review the details of an accident, determine whether premises liability laws may apply, and help you pursue the compensation you deserve. Our legal team here at Siler & Ingber Accident & Injury Attorneys
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As the winter months start to fade and warmer temperatures arrive, construction activity across New York City and Long Island begins to ramp up. From road repairs and building renovations to major infrastructure projects, spring is one of the busiest seasons for construction crews, and while this surge in activity helps keep the region growing and improving, it also leads to an increase in construction-related accidents. Busy job sites, heavy equipment, and tight urban spaces already create risks for workers and pedestrians alike. Add in changing weather conditions, increased traffic, and overlapping construction projects, and it’s easy to see why accidents tend to spike during the spring months. Understanding the most common hazards and what to do in the event of an accident can help both workers and members of the public stay safer during this active season. Why spring is a high-risk season for construction accidents The shift from winter to spring creates unique challenges on construction sites, and after months of freezing temperatures and snow, many projects that were delayed during winter suddenly begin at the same time. This means contractors often rush to make up for lost time, seeing schedules become compressed and multiple teams having to work in the same area. It’s also common for roadways across NYC and Long Island to need repair after the winter months, particularly due to potholes, cracked pavements, and worn infrastructure. This usually means more roadwork zones and lane closures, seeing workers needing to operate in close proximity to moving vehicles and drivers navigating unfamiliar traffic patterns. Weather conditions can also play a role, with early spring days bringing rain, fluctuating temperatures, and lingering ice or mud. These conditions can create slippery surfaces, unstable footing, and reduced visibility, increasing the likelihood of slips, falls, and equipment mishaps. Common construction site hazards in the spring Construction sites always involve risk, but certain dangers become more prominent during the spring season, and one of the most common hazards is unstable ground conditions. Melting snow and frequent rain can soften soil and create muddy areas that affect equipment stability, making excavations and trenches more vulnerable to collapse if water accumulates in the soil. Another major concern involves falls from heights, as roofing projects, scaffolding installations, and exterior repairs often begin in the spring as temperatures become more manageable. Workers operating on ladders, scaffolds, or elevated platforms face significant fall risks, particularly when surfaces are wet so they will need to take extra care. Heavy equipment accidents also increase when job sites become more crowded. Bulldozers, cranes, forklifts, and dump trucks frequently operate in tight spaces, sometimes with multiple contractors working simultaneously, and limited visibility and rushed schedules can lead to collisions or struck-by accidents. Construction accidents don’t only affect workers, though. In densely populated areas like New York City, construction zones often sit directly beside sidewalks, storefronts, and busy streets, exposing pedestrians, cyclists, and drivers to hazards. Debris falling from scaffolding, improperly secured materials, or tools dropped from heights can cause serious injuries, while sidewalk closures and detours sometimes force pedestrians closer to traffic or into unfamiliar walking paths. Common injuries in construction accidents Construction-related accidents can lead to a wide range of injuries, some of which have lasting effects. Falls from heights frequently result in fractures, spinal injuries, or traumatic brain injuries, and workers struck by falling materials or moving equipment may suffer crush injuries or severe internal trauma. Electrocution incidents can cause burns, nerve damage, or cardiac complications, while slip-and-fall accidents on wet or uneven surfaces often lead to sprains, broken bones, and head injuries. For pedestrians or drivers involved in construction zone incidents, injuries may resemble those seen in vehicle accidents, including whiplash, broken limbs, and concussions. Whatever the injury might be, recovery from these injuries can take weeks, months, or even years, and in more serious cases, victims may face permanent disabilities that affect their ability to work and carry out everyday activities. What to do if you’ve been involved in a construction accident If you have been involved in a construction accident in New York or Long Island, then it is important to know what to do next. First and foremost, medical attention should be the main priority, and even injuries that seem minor should be evaluated by a healthcare professional, as some conditions, including head injuries and internal trauma, may not show symptoms immediately. If possible, document the scene as best as you can by taking photos of the area, the equipment involved, warning signs (or lack thereof), and surrounding conditions, which can preserve important evidence. Witness contact information may also prove valuable later, while workers should report the incident to supervisors or site managers as soon as possible to create an official report. For accidents involving pedestrians or drivers, notifying local authorities and filing a report can help establish a clear record of what happened. Understanding liability in construction accidents Construction sites typically involve several companies working together on the same project. While workers’ compensation may cover certain injuries for employees, other forms of liability may apply depending on the circumstances. For example, if a subcontractor fails to follow safety procedures or a property owner neglects hazardous conditions, additional claims may be possible. Equipment defects, unsafe scaffolding, or poorly maintained work zones may also create legal responsibility for specific parties. In situations where pedestrians or motorists are injured due to unsafe construction conditions, property owners, contractors, or project managers may be held accountable if negligence played a role. Because each accident is unique, determining liability often requires a detailed review of the job site, safety practices, and contracts between companies. Get the help you need after a construction injury Construction accidents can quickly become complicated, especially when injuries are serious or multiple parties are involved. Understanding your options early can make a significant difference in medical coverage, lost wages, and long-term financial recovery. Our attorneys here at Siler & Ingber Accident & Injury Attorneys can assist individuals throughout New York City and Long Island who
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Whether it’s an automotive crash at a busy intersection, a fall on an icy sidewalk, or an injury inside a store you visit every day, accidents can happen to anyone. That is why knowing what to do during a personal injury claim is not only essential to ensuring that you get the support and compensation that you deserve, but also to help ease the stress and worry that comes from juggling doctor visits and dealing with insurance companies. In the swirl of activity that usually follows an accident, it can be easy to make what seems like a small decision but has a long-term consequence. What you say, when you seek treatment, and how you document your injuries all matter more than most people realize, and when insurance companies evaluate cases carefully, even minor missteps can affect how your claim is viewed and valued. In this latest article, we thought we would explore some of the most common mistakes people make when making a personal injury claim. Waiting too long to seek medical treatment One of the most damaging mistakes people make is delaying medical care after an accident. It can be very common to think to yourself, “I’ll see how I feel tomorrow,” and push back seeking treatment until the next day. However, from a medical standpoint, early evaluation helps detect hidden injuries like concussions, soft tissue damage, or internal trauma, while from a legal standpoint, it creates a clear connection between the accident and your injuries. Insurance adjusters often argue that delays in treatment suggest the injury either wasn’t serious or wasn’t caused by the accident at all. Even a gap of several days can raise questions, which is why prompt medical documentation strengthens your claim from the very beginning. Failing to follow through with treatment While starting treatment is important, finishing is just as critical. That is why, if your doctor recommends physical therapy, specialist visits, or follow-up appointments, it is vital that you attend, as skipping sessions can weaken your case. Insurance companies frequently review medical records looking for missed appointments or long gaps in care, and if they find some, they may argue that if you stopped treatment, you must have recovered. So even if you’re feeling better, it’s wise to follow your physician’s guidance and formally complete care, as consistency in treatment shows that you took your recovery seriously. Not reporting the accident properly Another common mistake is failing to report the incident in a timely and appropriate way. In a car accident, that means contacting the police and filing an accident report, while in a slip-and-fall case, it often means notifying the property owner or manager and creating a written incident report. Without official documentation, insurance companies may question whether the event occurred as described. The sooner an accident is documented, the harder it becomes for an insurer to dispute the basic facts. Giving recorded statements too early Insurance adjusters often request recorded statements shortly after an accident, and while they may present it as routine, these conversations are usually carefully structured. Injured individuals sometimes provide detailed answers while still shaken, medicated, or unsure about the full extent of their injuries, and offhand comments like “I’m okay,” or estimates about speed and distance can later be used to minimize your claim. It’s important to understand your rights before giving formal statements, especially to the opposing party’s insurer, and to ensure clear, thoughtful communication. Posting about the accident on social media While it is very natural to update friends and family after an accident, posting about it on social media can become a hidden hazard in personal injury cases. Insurance companies regularly review public posts, and a smiling photo at a family gathering or a short outing can be mischaracterized as proof that injuries aren’t serious. Even unrelated posts can be taken out of context, so if you’re pursuing a claim, limiting social media activity (or adjusting your privacy settings) can help protect your case. Underestimating the value of your claim Some people assume their injuries are only minor and will accept a quick settlement offer just to move on. However, the full impact of an injury isn’t always clear right away, and lingering pain, extended therapy, reduced earning capacity, and future medical needs may not be obvious in the first few weeks. Once you accept a settlement, you typically cannot reopen the claim later, even if complications arise. That is why you should not rush and instead take the time to understand the long-term implications of your injury to ensure you’re not settling for less than you deserve. Ignoring deadlines Every personal injury claim in New York is subject to legal deadlines known as statutes of limitations. In many cases, you have three years from the date of the accident to file a lawsuit; however, claims involving government entities may require action within 90 days. Missing a filing deadline can permanently bar your claim, regardless of its merits, and insurance negotiations do not pause these deadlines, so it’s vital that you keep track of timelines to preserve your rights. Failing to document damages Strong claims are supported by strong evidence, so make sure you keep clear records of items such as medical bills, prescription costs, lost wages, travel expenses, repair estimates, and written communications. Without these, even legitimate expenses can be disputed or undervalued, making it harder to secure your compensation. Protect Your Case From the Start Personal injury claims aren’t just about proving you were hurt, but demonstrating how the injury happened, how it affected your life, and why compensation is justified. Small oversights can create unnecessary obstacles, while careful, informed decisions can strengthen your position. If you’ve been injured, taking the right steps early by seeking prompt care, documenting everything, understanding deadlines, and getting reliable guidance will help you protect both your health and your legal rights. Our team here at Siler & Ingber Accident & Injury Attorneys works with injury victims across NYC and Long Island, helping them to
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When you’re recovering from an accident, time can often feel like it has slowed down. Equally, medical appointments, insurance calls, missed work, and physical pain often feel relentless and all you can focus on, meaning important activities like filing a lawsuit are the furthest thing from your mind. However, in New York, time doesn’t actually slow down when it comes to your legal rights. In fact, one of the most important rules that affects personal injury claims is something many people don’t think about until it’s too late: the statute of limitations. Understanding these timeframes is essential to getting the compensation you deserve. What is a Statute of Limitations? In the simplest terms, a statute of limitations is a legal deadline that sets the maximum amount of time you have to file a lawsuit after an injury occurs. If you miss that deadline, the court will almost always dismiss your case, no matter how strong the evidence or how serious your injuries may be. These time limits exist to ensure fairness, as over time, evidence can disappear, memories can fade, and witnesses can become harder to locate. The law encourages injured individuals to act within a reasonable window; however, “reasonable” has a specific legal meaning, and in New York, it depends on the type of case. The General Rule in New York Personal Injury Claims For most personal injury cases in New York City, such as car accidents, slip-and-fall accidents, or negligence claims, the statute of limitations is generally 3 years from the date of the accident. This deadline applies to filing a lawsuit, not simply filing an insurance claim, which means that negotiations with your insurer will not pause or extend the statute of limitations. If the deadline passes while you are still in discussions, then your ability to sue may be permanently barred. Different Deadlines for Different Cases Although three years is a general rule of thumb, some cases have shorter deadlines that you need to be aware of. For example, a claim involving government entities will often require special action, and if your injury involved a city vehicle, a public bus, a municipal building, or unsafe conditions on government property, you may need to file a Notice of Claim within as little as 90 days of the incident. Medical malpractice cases also usually follow a different timeline. This is typically measured from either the date of malpractice or the end of continuous treatment for the condition. Wrongful death cases also have their own statute of limitations, which is usually measured from the date of death rather than the accident itself. When Does the Clock Start? When it comes to the statute of limitations around personal injury cases, the clock starts from the date the injury occurs. However, there are some exceptions in certain situations where the countdown might not begin immediately. For example, in cases involving delayed discovery, such as exposure to toxic substances, the time limit begins when the injury was discovered or reasonably should have been discovered. What Happens if you Miss the Statute of Limitations Deadline in New York? If a lawsuit is filed after the statute of limitations has expired, the defendant may ask the court to dismiss the case. Judges will tend to enforce these deadlines strictly, and even if liability is clear and injuries are significant, there is rarely any exception unless a very specific legal basis exists. Once a case has been dismissed on statute of limitations grounds, the claim cannot be revived. That is why timing is crucial to ensuring your rights are protected and that you can claim the compensation you deserve. While three years can sound like a long time, building a strong personal injury case takes a lot of preparation. Evidence needs to be gathered, witnesses contacted, medical records collected, and liability analyzed, which is why acting early is crucial. The sooner you act, the stronger your negotiating power will be. Insurance companies will know when a statute of limitations is approaching, and if they believe time is running out, they may strategically delay discussions. Special Considerations for Minors and Incapacitated Individuals In some cases, the statute of limitations may be paused, or “tolled”, for minors or individuals who are legally incapacitated at the time of the injury. For example, in some situations, if a child is injured, the clock may not begin running until they reach adulthood. However, these rules have exceptions and additional procedural requirements, and due to these nuances, they should never be relied on without careful review by an experienced legal team. Protecting Your Right to Compensation Understanding the statute of limitations in New York is incredibly important, not only to ensure that your case is not dismissed but also to give every opportunity to recover compensation for medical expenses, lost wages, and long-term harm. We know that when you are recovering from an accident, seeking compensation is not always at the forefront of your mind. You are naturally focused on healing and getting your life back on track. That is why our team at Siler & Ingber Accident & Injury Attorneys is here to support you every step of the way, so you can focus on your health. Our attorneys have the knowledge and experience to handle everything for you, from navigating deadlines to filing claims and pursuing compensation. We will ensure that your legal rights remain protected. Want to find out more about our range of services and how we can help you? Contact our team today for your free consultation. Siler & Ingber Accident & Injury Attorneys The Law Firm You Can Trust When It Matters Most Offices: 301 Mineola Blvd., Mineola, NY 11501 Phone: (516) 294-2666 Website: https://www.nylawnet.com/ Email: ringber@nylawnet.com Serving clients across New York City and Long Island. No fee unless we win your case.
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After an accident in New York, whether it’s a car crash, slip and fall, or transit-related injury, most people assume the insurance company will simply review the facts and pay what’s fair. Unfortunately, the real process is more detailed and more strategic than many claimants expect. Insurance companies use structured evaluation methods, internal formulas, and negotiation tactics when reviewing injury claims. Understanding how this process works can help you avoid common pitfalls. However, if you know what insurers look for and what they question, you’ll be better prepared to protect your rights and present a stronger claim from the start. The Claim Starts with Documentation Insurance companies begin with paperwork and, before considering compensation, evaluate whether the claim is supported by sufficient documentation. Insurance adjusters are trained to look for consistency and completeness across all records connected to your injury, and will typically review accident reports, incident reports, photos, videos, and witness statements to understand the situation. They compare this insight with medical records, intake forms, and your own written or recorded statements, and if details conflict, even in small ways, it can raise red flags and slow down or reduce a payout. That is why timing is one of the most important factors: delays in medical treatment, gaps in care, or late reporting of the incident can often lead insurers to question whether the injury was truly caused by the accident. Medical Evidence Carries Major Weight Medical records are usually the single most influential component of a New York injury claim. Insurance adjusters look closely at how soon you sought treatment, what symptoms were reported, what diagnoses were made, and what care was prescribed. They also examine whether your treatment appears reasonable and necessary. For example, they may question the need for extended therapy if progress notes are vague or attendance at appointments is inconsistent. Diagnostic imaging, specialist referrals, and objective test results tend to strengthen a claim because they are harder to dispute than subjective pain complaints alone. Adjusters also watch for pre-existing conditions. If you had prior injuries to the same body part, the insurer may argue that your current symptoms are unrelated or only partially related to the incident. That is why clear physician notes explaining aggravation of a prior condition can be critical. Liability Analysis Comes Next After reviewing basic documentation and medical proof, insurers analyze liability. In other words, they assess who they believe is legally responsible, even when fault seems obvious. These professionals will review police findings, patterns of property damage, scene photos, and statements from all involved. In vehicle accidents in New York, they may also review traffic laws, right-of-way rules, and comparative negligence principles. If they can assign partial fault to the injured person, they may attempt to reduce the claim’s value. In premises liability cases, such as slip-and-fall incidents, adjusters will review maintenance logs, weather records, cleaning schedules, and prior complaints to obtain a complete picture. No matter the situation, the goal is always to determine whether the property owner had notice of the hazard and a reasonable chance to correct it. How Insurers Calculate Damages Insurance companies generally divide damages into two broad categories: economic and non-economic. Economic damages are easier to quantify and include medical bills, documented lost wages, and out-of-pocket expenses. Adjusters total these amounts using bills, receipts, payroll records, and disability notes. Non-economic damages include pain and suffering and are generally more subjective. Many insurers use internal valuation software and formulas to estimate a range, which considers injury type, treatment duration, recovery time, and whether a permanent limitation exists. The first offer you receive is often based more on this internal range than on your personal experience of hardship. That’s why two people with similar injuries can receive very different offers depending on how thoroughly their cases are documented. Recorded Statements and Claimant Interviews Adjusters often request recorded statements early in the process. They present this as routine, but it is also investigative, and the questions they ask are designed not just to gather facts but to test consistency and uncover anything they can later use to narrow the claim. They listen for uncertainty, speculation, or phrasing that can be interpreted as an admission. Casual comments like “I’m feeling a bit better now” or guesses about speed or timing sometimes appear later in denial or reduction letters. That is why preparation matters, and giving clear, accurate, limited answers is generally safer than volunteering extra detail. Social Media and Background Checks Many claimants are surprised to learn that insurers frequently review public online activity. Photos, posts, and check-ins can be used to challenge injury severity claims, and background database searches are also common. Prior claims history, past injuries, and even unrelated lawsuits may be reviewed to shape negotiation strategy. While this doesn’t invalidate your current claim, it underscores the importance of consistency and transparency. Red Flags that Reduce Claim Value Certain patterns can lower settlement offers during insurance evaluation, such as long delays before first treatment, frequent missed appointments, or premature discontinuation of care, which can lead adjusters to believe your injuries were minor. Other red flags include incomplete records, conflicting accident descriptions, exaggerated damage claims, or unsupported lost-income figures. Equally, claims that appear rushed, disorganized, or inflated are more likely to be discounted or questioned more aggressively. On the other hand, well-documented, consistent, medically supported claims tend to receive greater consideration. Negotiation is Built into the Process Insurance evaluation is not the final word; it is the starting position for negotiation. Initial offers are often lower than what the insurer may ultimately pay, and most adjusters will expect counter-arguments supported by evidence, updated medical reports, and clear damage calculations. Strong negotiation typically includes organized medical summaries, physicians’ opinions on future impact, and precise wage-loss documentation. The clearer the presentation, the harder it is for an insurer to justify a low figure. When Legal Representation Helps Because insurers use structured evaluation systems and trained negotiators, many injured New Yorkers seek legal guidance before accepting a settlement. An
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Have you ever been involved in a car accident in New York City or Long Island? If so, it’s likely one of the first things you heard about from your insurance provider is whether it was a no-fault accident or whether you were at fault. While this may be an obvious question in some cases, it is not always clear in others. In this latest article, we take a closer look at what we mean by no-fault and at-fault insurance in New York City. Understanding these terms can help you make better decisions after a collision and avoid costly mistakes. What is no-fault insurance in New York? New York is a no-fault insurance state, which means that after a car accident, every injured person must first turn to their own insurance policy for basic benefits, regardless of who caused the accident. This coverage is known as Personal Injury Protection, and the idea is to process payments faster and reduce the number of smaller lawsuits. That means that instead of having to wait for the fault to be decided, your own insurer will be able to pay certain costs according to your policy limits. In general, no-fault insurance coverage includes: Medical expenses related to the injury A portion of any wages lost due to not being able to work Transportation to medical appointments Certain household help expenses if your injury prevents you from carrying out daily tasks. What no-fault insurance does not cover While no-fault insurance provides several benefits, it also has limitations and does not cover certain areas. Typically, these types of insurance policies will not cover: Pain and suffering Emotional distress Full lost wages Vehicle damage Long-term loss of earnings In these instances, an at-fault system comes into play, but only if your case meets certain legal thresholds. When does at-fault insurance apply in New York? Even though New York uses no-fault insurance for basic injury costs, you are still allowed to bring an at-fault claim or lawsuit against the driver who caused the accident, as long as your injuries qualify as “serious” under state law. This includes things such as bone fractures, significant disfigurement, permanent limitation of a body organ or function, significant limitation of use of a body system, injuries that prevent normal daily life following the accident, and permanent disability. If your injuries meet this threshold, then you may be able to pursue a claim against the at-fault driver for damages that go beyond no-fault benefits. This includes compensation for pain and suffering as well as full economic loss. Property damage still follows fault It is important to note that vehicle damage claims are not handled under no-fault rules. Property damage in New York is always handled through the at-fault insurance system. This means that if another driver caused the crash, their liability insurance is generally responsible for your car repairs or its total loss, not your PIP coverage. However, in real-world accidents in NYC and on Long Island, fault for property damage is often negotiated between insurance companies based on police reports, driver statements, witness accounts, photos and videos, and traffic camera footage. Why the difference matters after a car accident Because New York uses a blended insurance system, many accident victims don’t realize they may actually have more than one path to recovery after a crash. In many situations, an injured person can pursue a no-fault claim through their own insurance policy to cover medical expenses and a portion of lost wages, regardless of who caused the collision. At the same time, if the injuries meet New York’s legal serious injury threshold, there may also be a separate at-fault claim available against the driver who caused the accident for broader damages. Each of these claim types comes with its own rules, documentation standards, and strict filing deadlines. No-fault benefits, for instance, generally require an application to be submitted quickly, typically within 30 days of the accident, while at-fault injury claims follow different legal timelines and require proof that another party’s negligence caused qualifying injuries. Common mistakes to avoid It can be easy to feel overwhelmed after an accident and pressured into certain actions without realizing the impact they may have later. One of the most common mistakes individuals make is not seeking medical treatment promptly, believing the injuries are minor; however, waiting too long or gaps in your documentation can affect reimbursement. Another common issue is providing insurers with detailed statements before they understand their medical condition. Some people mistakenly believe that no-fault rules mean they are never allowed to sue, but this isn’t always the case. Equally, while quick settlements are tempting, you could be accepting an offer significantly under the compensation you deserve. How fault is still investigated Even though no-fault insurance provides initial medical and wage benefits regardless of blame, fault is still carefully examined in many New York car accidents, especially when injuries are serious, damages are extensive, or a lawsuit may be filed outside the no-fault system. Insurance carriers will routinely investigate how and why the crash occurred before deciding how to handle larger payouts. To do this, adjusters and investigators will review whether traffic laws were violated, how each driver was driving, and whether speed was a factor. They closely examine right-of-way conflicts, signs of distracted or impaired driving, and the road and weather conditions at the time of the crash; this analysis is vital if the case meets the serious injury threshold. Get the right guidance Understanding how no-fault and at-fault insurance in New York works can be confusing, but it is essential to making an informed decision after a car accident. If you have been involved in a collision and need support to claim the compensation you deserve, our team here at Siler & Ingber Accident & Injury Attorneys is here to help you every step of the way. Siler & Ingber Accident & Injury Attorneys The Law Firm You Can Trust When It Matters Most Offices: 301 Mineola Blvd., Mineola, NY 11501 Phone: (516) 294-2666 Website: https://www.nylawnet.com/
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OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN.
PROMOTION PERIOD: The Siler & Ingber Mineola MegaStar Contest begins on March 20, 2023 at 12:00 am ET and
ends on May 1, 2023 at 11:59 PM ET.
ELIGIBILITY: To be eligible, a MegaStar must be a legal U.S. resident at least 16 years of age as of date of
Nomination. A Mineola MegaStar is defined as a person who lives or works in Mineola and is admired or idealized for their courage, dedication, outstanding achievements, or noble qualities. By participating, Entrants agree to be
bound by the official rules. Sponsors reserve the right to verify and determine eligibility in their sole discretion.
TO PARTICIPATE: During the Promotion Period, Siler & Ingber will accept from the members of the public (herein, the “Nominators”) nominations of Eligible Entrants (Mineola Megastars) who live or works in Mineola. Nominations may be entered by visiting www.nylawnet.com/mineolamegastar and completing the online form and essay submission or by emailing photo and essay to marketing@nylawnet.com during the Promotion Period to receive one (1) entry. Essay must not exceed 500 words. Acceptable essay formats are word documents or pdf ONLY. Nominations submitted without all required information or after the Promotion Period will be disregarded.
Online submissions must be received by May 1, 2023 at 11:59 PM ET to be eligible. All entries become the exclusive property of Siler & Ingber and will not be acknowledged or returned.
ESSAY: During the promotion period, an Entrant can nominate a Mineola MegaStar for the contest by submitting a
photo and essay. The essay must describe why the individual should be chosen as the award winner, including how the individual demonstrates some or all of the following qualifications:
1) an inspiring example to others by helping make Mineola a better place to live (through volunteerism, extra-curricular actives, special projects, giving back, etc.)
2) going above and beyond to aid a friend, family member, stranger or community in a time of need; and/or
3) love of profession and desire, determination and diligence to help outside of normal job responsibilities. The essay must be in English and no more than 500 words. All information provided must be truthful, accurate and complete. An Entrant cannot nominate more than one Hero.
Submitted Materials: Each essay must satisfy all the following submission requirements the Submission
Requirements:
· The essay must be the original creation of Entrant.
· The essay must not portray any recognizable individual without their prior consent, including consent from the
Hero.
· Entrant must either own all rights to the essay or otherwise have the right to submit the essay in the contest and to provide the rights to Sage Surfaces as set forth herein.
· The essay must not infringe any third party’s intellectual property rights.
· The essay may not contain illegal, indecent, obscene, pornographic, or sexually explicit content, or otherwise offensive material or inappropriate content such as aberrational behavior, graphic violence, drug abuse, or nudity.
· The essay must not promote bigotry, racism, hatred or harm against any group or individual or discrimination based on race, gender, religion, nationality, disability, sexual orientation or age.
· The essay must be non-defamatory and must not invade any third party’s right of privacy or publicity.
· The essay must otherwise be appropriate for publication or broadcast or display on a general interest website.
By submitting an essay, each Entrant represents and warrants that the essay meets all of the submission
requirements and that the distribution, reproduction, display and any other uses of any part of the essay by Siler & Ingber as permitted herein will not infringe any third-party rights. Each Entrant further agrees to indemnify and hold Siler & Ingber harmless from and against any and all claims, demands, damages, costs, liabilities and causes of action of whatsoever nature that are based upon or arise out of any breach by such Entrant of such warranties or representations made by contestant or of these official rules.
By submitting an essay, Entrant grants to Siler & Ingber a non-exclusive, perpetual, world-wide, royalty-free license (and waives all moral rights in and to the essay) to display or otherwise use the essay in connection with this promotion and as set forth herein. If Siler & Ingber determines, in its sole discretion and at any time during the promotion period, that any nomination violates the submission requirements, is otherwise unsuitable, offensive, or in poor taste, or violates these official rules, Siler & Ingber reserves the right to remove and disqualify the essay. Siler & Ingber retains sole
discretion as to whether any nomination satisfies the submission requirements and the official rules.
WINNER SELECTION: For the entry period, a panel of judges will select potential Mineola Megastar finalists based on the compelling nature of the essay based on the criteria set forth herein. Top 5 entries will be announced on May 10, 2023. We will post the top 5 on social media. Final winner announced May 15, 2023. Award Ceremony for Mineola MegaStar will take place on May 19, 2023.
WINNER NOTIFICATION AND RELEASES: We will attempt to notify potential winners via telephone and/or email. If a potential winner: (a) does not respond within 48 hours of initial notification attempt; (b) is not in compliance with these official rules, (c) does not meet the eligibility requirements, (d) declines the prize, he or she will be disqualified, and an alternate winner will be selected by applying the criteria set forth above.
PRIZES: There is 1 Mineola MegaStar. Winner will receive a $500 Cash Prize.
PUBLICITY AND MARKETING: Submission of a nomination in the contest constitutes permission to Siler & Ingber to use Entrants name, identity, title, likeness, distinctive appearance, physical likeness, image, portrait, picture, photograph (whether still or moving), screen persona, voice, vocal style, statements, gesture, mannerism, personality, performance characteristic, biographical data, signature, social media handles and identities, and any other indicia or imitation of identity or likeness for purposes of advertising and trade, in any medium, without further notice, approval, or compensation, unless prohibited by law.
PRIZE RESTRICTIONS: No transfer, assignment, sale, duplication, cash redemption or substitution of Prize (or portion of Prize) is permitted, except by Sponsors, which reserve the right to substitute a Prize (or applicable portion of Prize) with one of comparable or greater value, as determined by Sponsors. Sponsors are not responsible for and will not replace a lost or stolen Prize or any component thereof. All Prize details are at Sponsors’ sole and absolute discretion. Non-compliance with these Official Rules may result in disqualification and, at Sponsors’ sole discretion, the awarding of Prize to an alternate winner.
VERIFICATION OF OFFICIAL WINNER: ALL PRIZE WINNERS ARE SUBJECT TO ELIGIBILITY VERIFICATION BY SPONSORS, WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE CONTEST.
