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Car Crash Lawyers A car crash can cause serious harm to an individual or their loved ones A seasoned New York City car accident lawyer can assist you when you or a loved one is injured in a crash A seasoned attorney will be able to assist you create a strong claim and obtain the money you need for your injuries They are able to identify the tricks used by insurance companies to deny or limit your claim Insurance Companies In any case of car accidents insurance companies are key players No matter how much you were at fault or not it is crucial to understand what insurance companies do and how they can assist you recover Insurance is a contract that covers the insureds losses at the cost of a premium It offers financial protection which helps reduce and protect against risks like damages to property medical expenses lawsuits loss of income and many other issues Typically insurance policies comprise policies with deductibles and limits which determine the amount an insurer will pay out in the event of a specific claim Depending on the kind of policy the amounts vary A lawyer for car accidents will often work with your insurance company to help you get the best possible outcome from your car accident case This could include negotiations with your insurer on your behalf as well as an official lawsuit against the other driver in your case Most states require that drivers carry auto insurance This covers the costs of repairs for damaged property replacement lost wages legal fees and any bodily injury or property loss New York for example has nofault laws for insurance that oblige all drivers to carry insurance for their cars The insurance industry is a crucial element of the economy providing a safety net for individuals and families who may otherwise be facing large losses It helps to mobilize savings from the domestic economy into a fund to aid in disaster mitigation and loss management and it can also help promote commerce and trade through its investments in stocks and other productive channels Insurance companies are usually formed as either proprietary or mutual companies Mutual companies are owned by policyholders and offer certain benefits that arent offered to proprietary insurers A lot of insurers are regulated by governments These regulations can help ensure stability and strength for their business They also help protect the consumers from fraudulent practices and excessive claims payments Statutes of Limitations When youre dealing insurance claims or a lawsuit or trying to reach an agreement youll need to file your case within the time limit The laws are meant to ensure you get compensation for your injuries as well as other losses as soon as is possible Many states have a statute of limitation that governs the filing of a personal injury orwrongful death lawsuit The timeframes vary from state to state however they typically range from three years from the date of the accident The reason these deadlines are important is because they provide you the greatest chance to secure the evidence you need to support your case If you delay filing your case witnesses might miss important information about the accident This could have a negative impact on your case If you file your case early your attorney can have time to gather all the evidence required to support your claim and complete any paperwork necessary to file later on In addition if youve got a substantial amount of medical bills those costs should be accounted for A lawyer can help you determine the fair value of your claim and how much it will cost to pay for these expenses as well as future expenses such as rehabilitative therapy If your injuries are severe your health and financial wellbeing are likely to be seriously affected Injuries such as spinal cord damage whiplash brain injury burns will require a significant amount of medical attention The cost of specialized treatment including medications transportation and transport to and from the doctors office will also need to be included in your claim A skilled lawyer for car accidents will know how to make the most of these time limitations and maximize your chances of a favorable outcome for you and your family They can also provide advice on how to deal with insurance companies insurance disputes and a variety of other legal issues relating to the car crash you were involved in The statute of limitations is a thorny issue but it can be overcome A knowledgeable New York lawyer can help you to understand the implications of the statute of limitations for your case They can also help you gather all the evidence that you require to make claims that are strong and will do everything to ensure you receive the compensation you are entitled to Damages Car accidents can cause significant financial losses to the victims However a skilled attorney can help you get compensation for your injuries lost earnings and other damages The jury can often award you more than you could have gotten on your own However there are some factors that need to be taken into consideration when determining the value of your claim You must first think about the cost of your medical bills lost earnings and other expenses due to the accident These expenses will be used by your personal injury lawyer to determine what damages you are entitled to You could also be entitled depending on the facts of your case to damages for emotional trauma resulting from an auto accident This could include the loss of companionship emotional stress and mental stress Additionally your personal injury lawyer can assist you recover damages for any property damage that was caused by the accident This can include the cost of replacing or fixing your vehicle and any repairs to your business or home An attorney can assist you to recover any losses that youve suffered as a consequence of the accident This includes the loss of wages or bonuses you would have earned even if your injuries were not that severe This is especially important when the injuries are permanent and you are unable work atlanta car accident lawyer and other injuries to the soft tissue can result in a significant financial impact on the victims These injuries can cost you beyond what you are financially able to pay A personal injury lawyer will look over your invoices and receipts to determine the amount youve incurred In some cases punitive damages can also be given These damages are designed to punish the negligent party and discourage them from committing recklessly in the near future If the defendants conduct was especially egregious or malicious or malicious damages can be awarded There are limits on the amount of punitive damages you can be awarded in your state You should also speak to your personal injury lawyer about how to deal with an insurance company They can be difficult to work with and they are notorious for trying to deflect paying out on legitimate claims Comparative Fault Car accident lawsuits can involve multiple parties and a variety of elements This is especially true when the crash involves multiple cars or a large number of vehicles These scenarios can make it difficult for juries in an injury case to determine fault A court might decide to use pure comparative negligence to determine the amount each party can get for their injuries in these cases A jury or judge would then determine the amount of fault each party is accountable for and award damages accordingly When it comes to car crashes this is a tricky concept because states have different laws when it comes to relative fault Certain states have strict contributory negligence rules and others have modified the comparative or pure comparative fault rules Pure contributory negligence which is found in five states is the most severe of all these types This law bars a person from claiming damages even if they are 99 responsible for the accident Pure comparative fault however permits drivers to recover a portion of their total damages depending on how much of the accident was their fault If an insurance adjuster determines that the other driver was 75 responsible for a twocar crash and the driver is liable for 75 they can only get 75 of their medical costs The person who has been injured may receive the rest of their losses from their own insurance company This is a practice that is common in many states Another common way to determine fault is through an insurers apportionment procedure which determines the amount each partys claim should be reduced to reflect their share of the blame If the trial involves a jury this method can be used in a personal injury trial Pure comparative negligence is the most popular kind of comparative fault found in car accidents Several states follow this law including New York which is one of 13 states that adhere to it In these states the insurance adjuster generally will attempt to assign blame based on statements from the drivers and witnesses as well as a reconstruction of the accident scene