What types of compensation can I get?
Medical bills, lost wages, property damage, and pain and suffering (if serious injury threshold met).
What should I do after a car accident?
Ensure safety, call 911, exchange info, take photos, and notify your insurer.
Can I reopen a settled claim if I find more injuries later?
Generally, no. Once you sign a release, the settlement is final. This is why you wait until treatment finishes.
What should I say (and not say) to insurance?
Stick to basic facts. Do not guess, do not admit fault, and do not downplay injuries.
How do insurance companies determine fault?
They review police reports, witness statements, photos, and state traffic laws.
What happens if my claim is denied?
Contact a lawyer immediately. Denials can often be appealed or fought in court.
How do I file a car insurance claim?
Call your insurer immediately to open a claim. File an NF-2 form for No-Fault benefits within 30 days.
Can I still claim if I was partly at fault?
Yes. NY is a comparative negligence state. You can still recover a portion of your damages.
Do I need to call the police?
Yes. It is legally required if there is injury or significant property damage.
What information should I exchange with the other driver?
Name, address, phone number, insurance policy number, license plate, and driver’s license number.
