Since New York is a no-fault insurance state, you have likely heard about how fault is not attributed to either driver after a New York City car accident since the auto insurance policy you have will cover you anyways. However, sometimes compensation from the insurance company is not enough to cover all the damages caused by the accident. This can make some people panic and fall into a financial crisis, but you may not have to if your injuries are deemed severe. All you have to do is call a New York Personal Injury Lawyer to figure out what steps you need to take.
How New York No-Fault Insurance Works
Unlike other states where fault plays a major role in how much compensation you can receive after a car accident, New York no-fault insurance guarantees that everyone is compensated based on their own insurance policies. In other words, if you are in a car accident in New York, then your auto insurance company is expected to compensate you for the damages you suffered. These damages may include:
- Medical bills from minor injuries
- Car repairs
- Lost wages
- Funeral expenses
However, the compensation used to cover these damages is limited by each policy and depending on which policy you, have the compensation may not be enough. When this happens, people tend to panic and wonder how they will afford all the remaining expenses. You can find some relief in that you might be able to file a personal injury lawsuit if your injuries are severe enough.
What Counts as Severe New York Car Accident Injuries
Now the question becomes what counts as severe injuries. Knowing this could mean the difference between settling for less compensation and receiving the compensation you actually need. Filing a lawsuit in this situation could mean receiving additional compensation to cover the rest of your New York car accident damages:
- Pain and suffering
- Ongoing medical treatments
- Future lost wages
- Property damages
- Emotional distress or Post-Traumatic Stress Disorder (PTSD)
- Loss of enjoyment
Figuring out whether your injuries are severe enough requires obtaining copies of your medical records as evidence and talking with your doctor about how many future treatments your injury will need. Extensive surgeries, continued treatment, physical therapy, the need for assistive devices, and long hospital stays are few examples of severe injuries. Some of the most common types of severe car accident injuries include:
- Spinal cord injuries
- New York brain injuries
- Shattered bones
- Traumatic amputation
- Loss of major functions (i.e. vision, hearing, ability to walk)
- Lifelong disabilities
- Severe burn injuries
Westchester Personal Injury Attorney
Seeking additional compensation for severe injuries is not always easy. Call Sullivan and Brill Law Firm in New York by dialing (212) 566-1000 to talk to a Westchester Car Accident Attorney for a free consultation today. Our experienced New York personal injury lawyers might be able to help you attain additional compensation for severe injuries. We are located in New York City, Long Island, Kings, Bronx, Queens, Richmond, Nassau, Suffolk, Westchester, and Rockland Counties, and San Juan, Puerto Rico.
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