Who Pays For Personal Injury in a Car Accident?

who pays for personal injury in a car accident

An auto accident can leave victims suffering physical injuries and property damage, as well as experiencing financial losses. Seek medical care immediately so all injuries are documented and expenses accounted for.

In New York, injured passengers are entitled to receive compensation from multiple sources for their losses. They can file a claim against either their at-fault driver or through Personal Injury Protection/Med Pay coverage of their insurance carrier.

Medical expenses

After being involved in a car accident, medical expenses often become necessary in treating injuries sustained in an accident. These expenses may add up quickly.

Initial medical expenses may include ambulance fees to transport you to the hospital, emergency room charges and any surgery fees, medication, diagnostic tests like X-rays, CT scans or MRIs and follow up consultations with primary care physicians or specialists, which could add significantly.

Personal injury claims may provide compensation for medical expenses incurred as the result of an injury, and lost income as well. Aside from this, pain and suffering damages may also be awarded; although this type of award can be harder to quantify; documentation and evidence must be submitted in support of such damages claims.

Pain and suffering

Pain and suffering damages are intended to compensate victims of accidents for physical and emotional pain they have endured as a result of being involved. While these non-economic damages are difficult to quantify on paper, they generally cover current and anticipated future medical costs, loss of quality of life issues, scarring effects, as well as emotional trauma.

Pain and suffering for victims often depend on the severity and permanence of their injuries; for instance, broken legs typically entail more discomfort than bruised knees; however, recovery times will play a factor.

Once involved in a car accident, it’s vital that you seek medical treatment immediately afterward. Doing so will document any injuries sustained and allow you to better assess any financial losses sustained from the incident. An experienced attorney can then use various techniques to estimate what your case might be worth based on various criteria – call our firm now for a complimentary and confidential consultation session!

Damages for property damage

After being involved in an auto accident, there may be numerous expenses you have to bear. From replacing your damaged vehicle to compensating any of your property that was destroyed during the collision, recouping compensation should always be sought and given due regard.

When an accident is the result of someone else’s fault, their auto insurance should typically pay your damages. Unfortunately, since insurance companies are for-profit businesses they may deny your claims or attempt to reduce the amount you owe.

In states that implement no-fault laws, like New York, your car insurance should cover your medical bills regardless of who was at fault in an accident thanks to Personal Injury Protection (PIP) coverage mandated by law. Furthermore, your damaged vehicle’s value can also be claimed; simply inform the insurer how much its worth at the time of impact and claim accordingly.

Lost wages

Car accident injuries can leave victims with extensive medical bills, particularly if their recovery requires time off work and lost income. Our New York City car accident lawyers can help victims obtain the compensation they are owed for their losses.

Lost wages compensation is one of many damages available in personal injury lawsuits, along with pain and suffering damages, property damage expenses, and medical bills. To receive lost wage compensation you must present proof that injuries have affected your earning capacity – usually via employer verification documents and timesheets from when working hours were tracked by your employer.

Your claim for lost wages should be filed through both parties’ liability bodily injury coverages; you may also use your own uninsured/underinsured motorist policy depending on how serious your injuries were and their policy limits. Your attorney can assist with valuating lost earnings and damages and fighting insurance companies to get you justice and receive adequate compensation.