As a New York Car Accident Lawyer, the most common question I am asked by clients who sustain personal injuries in New York car accidents or truck accidents is who will pay my medical bills.
Under New York Insurance law, the insurance company who insures the car you are in is responsible for paying your medical bills and any lost wages. If you were a pedestrian hit by a car, or truck then the insurance company for the car which hit you is responsible for paying your medical bills and your lost wages.
These benefits are not automatic. To receive them you must file a no fault application within thirty days of your car accident. If you fail to do this, the insurance company will probably try to deny coverage based on lack of notice.
As a New York and White Plains car accident lawyer, the second most common question I hear from those who sustain personal injuries in car accidents is will my insurance rates go up. Your insurance rights will not go up just because you claim the benefits you are entitled to. If you were at fault, your insurance rates may go up. But they will not go up just because you seek the benefits you are entitled to. You should never fail to seek the benefits because you are afraid of your rates going up. The reality is that if the rates are going to go up, they will go up anyway. Also, if you don’t file the application in time, you may be unable to get the benefits you need. Even if you have other insurance, it will deny the claim in the end, because the car insurance company is responsible. Therefore, if you don’t file the application, you may end up being responsible for the medical bills.
Michael Joseph is a car accident lawyer based in New York and White Plains, who represents personal injury victims all over the New York metropolitan area including the Bronx, Brooklyn, Queens, Manhattan, White Plains, Yonkers, New Rochelle, Bronxville, Ossining, Mamaroneck, Elmsford, Scarsdale, Hartsdale and Rye.
