Motor vehicle accident litigation in New York became arguably less contentious
after passage of the New York State No-Fault laws. The statutory law became
more complex and provides a quick remedy for victims, while the volume
of litigation was reduced. What this means for Kingston motorists is that their
car accident claims can be processes quicker as compared to the time before No-Fault regulations
Experienced Kingston car accident attorneys know that such is beneficial to accident victims, but that the complexity
of the law makes it harder for ordinary citizens to understand their rights.
Many people don’t understand the intricacies of No-Fault laws. Moreover,
basic parts of insurance coverage, such as the declarations sheet may
be skimmed or completely overlooked by motorists. SUM insurance is equally
foreign to many Kingston drivers.
Perhaps most important to injured drivers is not the law itself, or even
understanding it; rather, car accident victims are burdened with the medical
bills, injuries, lost wages, paying general living expenses, and the like
which can be overwhelming after being in a motor vehicle accident.
This is why car accident victims should contact
experienced motor vehicle attorneys after an accident happens, so that the attorney can handle the legal matters,
while the victim focuses on recovery and getting back to work. The following,
however, does explain the basic insurance issues that surround car accidents
in Kingston, New York.
No matter what car that you are in at the time a
motor vehicle accident occurs, No-Fault insurance will apply under the insurance policy that
covers the vehicle. Regardless of who may be to blame for causing the
accident, No-Fault coverage will pay for medically necessary expenses,
lost wages, and medical bills.
Be advised, the accident victim needs to notify the insurance carrier via
an Application for No-Fault Benefits within 30 days of the accident’s
occurrence in order to make a valid No-Fault claim. Do note, there are some
exceptions to no-fault coverage, which includes motorcycles.
Insurance Declarations Sheets:
Insurance policies must be written in plain language and any ambiguities
will be resolved in a light favorable to the insured. However, even when
written in clear and plain language, understanding insurance policies
can be difficult. The declaration sheet serves to simplify things for
the insured motorist.
This sheet summarizes the motorist’s insurance coverage, and provides
an overview on costs, deductibles, and coverage limits. Other important
information, such as the carrier’s name and contact information
is also located on the declaration sheets. Of course, No-Fault coverage
would be touched upon.
In short, every insured motorist should take the time to read the declarations
sheets and understand its language.
Supplemental Underinsured Motorist (SUM) coverage gives car accident victims
greater protection when involved in an accident. As you may be able to
ascertain from its title, this type of coverage will give the victim additional
coverage in the event that the offending motorist’s insurance coverage
is not adequate to cover the victims losses.
If you have insurance in New York, you also have SUM coverage because such
is mandatory. Your concern, however, is the amount of SUM coverage that
you should have. If the offending motorist has only the minimum coverage,
you would need more SUM coverage to cover your losses. The best advice
is for you to review your SUM coverage and consider the advantages of
increasing such coverage.
Paying for Medical Bills after a Car Accident:
Obviously, as you read above, motor vehicle insurance in general, No-Fault
coverage, and SUM coverage can help pay for your medical bills if you
have been involved in a Kingston, New York motor vehicle accident. Experienced
Kingston motor vehicle accident attorneys, however, know that you have
For example, if you were injured in a
car accident while working, Worker’ Compensation laws can provide you respite.
Your own health insurance coverage will also reduce your out-of-pocket
expenses. Medicare and/or Medicaid can also reimburse you for medical bills.