My 7 year old got injured in the school playground.: In the playgrfund during recess time. Next to the water fountain there was a metal frame covering a socket for a hose. Being curious my son opened the metal frame that was not sealed and when he closed it. It slamed on his finger. It took off half of his nail and he needed 3 stitches. The nurse said he was bleeding excessivly. I found out that my friends daughter took my son to the school nurse. Not an adult. Please give me Advise. Thank u
Jeena's answer: In addition to the answers given above, you should consult with a New York personal injury lawyer as soon as possible, as NYC schools, if they are not private, are considered municipal entities. You only have 90 days from the date of accident to file a Notice of Claim, which must be very specific.
Is it possible to settle for more, or is it set in stone that I can only get 25,000?: I was hit in the back by a car. The person who hit me only has 25-50 insurance policy. I've been informed that my injuries exceed it.
Jeena's answer: Do you have Underinsured Motorist Coverage UIM on your own policy? Check with your broker or insurance company and find out how much you have. If you have purchased it, it would be more than the mandatory 25/50 coverage that all vehicles must have in NY. You would have to put your insurance carrier on notice of a UIM claim and comply with the conditions, including exhausting the coverage on the offending vehicle and obtaining permission from the UIM carrier to settle.
How long does a person have to file a car accident report to the car insurance company? (with no police report): today is tuesday and my husband had a car accident on friday morning (4 days ago). the other person was in the left lane and made a right turn unto our car and hit us. the mutual agreement was to fix the problem without the police or car insurance. now the other person wants to call MY insurance company to file a claim. my problem is that my husband did not have a license and everything is under my name (the other claimant doesnt know this) what should the appropriate steps be? can we still file a claim since we didnt do anything the same day of the accident? and to confirm I should be calling my insurance company NOT the other person correct? or should i try to fix everything without my insurance co, Geico?
Jeena's answer: Call your own insurance company to report the accident as soon as possible. If you don't report within a certain number of days after the date of accident (per your policy), the company has the right to disclaim and won't cover you or any claim made by the "other person". Most insurance companies, including GEICO, have 24 hour claim reporting services. Also, if you do not have collision, call the other vehicle's insurance company to report property damage (property damage only).