Auto Insurance Claims: How to Know Which Type of Claim to File

Personal Injury Lawyer Representing People Injured In A Car Accident

Following a car accident, your immediate concerns should be tending to your injuries and any damage to your vehicle. However, as the bills for medical treatment and car repairs come in, your next concern should be: who is going to pay for these bills? Compensation for many car accidents is handled through insurance – whether your own or another party’s if they were responsible for the crash. No matter what, you should realize the insurance claims process can be complex with many types of claims.

Total Loss Claims or Property Damage Claims

If your car has sustained more damage than it would cost to repair, an insurance company will deem your car a total loss, and this is called a total loss claim. In most cases, what you can expect when you file such a claim is that an insurance company will request that you complete required paperwork and once that paperwork has been completed and returned, the insurance company will issue a payment for the value of your car.

What Are The Personal Injury Claims?

If you or your loved ones have sustained bodily injury, and your injuries are covered under either the Personal Injury Protection, also known as PIP, or Medical Payments Coverage, also known as MPC, an insurance company will typically work with your medical providers directly to ensure that your medical bills are paid in an efficient and timely manner.

What Are The Liability Claims?

If the other driver is determined by the insurance company to be at fault, you can file what is known a third party claim or a liability claim against that driver’s insurance policy. The process of determining fault varies by a particular state’s liability laws.

What is Uninsured/Underinsured Motorist Claims?

Uninsured and underinsured motorist coverage exists to pay for your medical bills and property damage expenses in case that the driver at fault does not carry liability insurance as required by New York law or does not have adequate insurance to cover your losses. This type of claim may also apply in hit and run accident, though there are often specific procedures to follow in such cases.

What Happens if You Get Hit by an Uninsured Driver?

Contact an Experienced New York Personal Injury Lawyer for a Free Consultation

If you have been in a car accident and have a question about which claim to make, please contact your experiencedCar Accident Lawyer of The Rybak Firm, PLLC., at 718-307-5554. Available 24/7

1 http://dfs.ny.gov/consumer/faqs/faqs_auto.htm

Why You Should Call Personal Injury Lawyer Immediately After Car Accident

Car Accident Lawyer Near Me

Our offices are located in Brooklyn, NY.  We serve the entire NYC Metro Area and represent clients in every borough of New York City. One of our experienced Car Accident Lawyer is able to travel to you if you are unable to meet at our offices due to an injury. We also provide free transportation to and from our offices.

Our office address is:

1810 Voorhies Ave

Suite #7

Brooklyn, NY 11235