What should I do at the accident scene?
After you call the police. Use your cell phone to take pictures of the vehicles. If you are able to do this at the scene of the crash, the photos could prove to be critical evidence in proving who caused the collision. Write down anything said by the other driver. Maksure that you exchange information with the other driver. This includes their: -license plate; -insurance policy info; -make and model of the other car; -driver's license number; and -home address and telephone numbers.
What if I'm injured?
If you feel any pain or discomfort you should seek appropriate medical care. Call an ambulance immediately. If you feel OK at the accident scene, and later begin to feel stiff or uncomfortable, you should visit your local emergency room, or call your doctor. DO NOT give a statement to an insurance company representative until you speak to a qualified attorney. Insurance adjusters are trained to record statements that will protect the insurance company, while downplaying your injuries and even hurting your ability to make a claim in the future.
Who will pay my bills if I can't work?
In New York, your car insurance company will pay for the first $50,000 in financial damages from an auto accident -- no matter who caused it. That's why it's called "no fault coverage." This includes lost wages and medical payments. In New York, your no fault insurance pays up to 80% of your lost wages. Additionally there are mileage and household help provisions that will assist you while you are injured. Consult a qualified attorney to learn more.