If you or a loved one has been injured and are considering pursuing an insurance claim, you should consult with an attorney – even if you do not want a file a lawsuit. Understanding how to approach an insurance claim, and effectively assessing what you may be entitled to under an insurance policy are extremely important to securing full and fair compensation for your injuries.
Dealing with an Insurance Company
Although insurance companies exist to help their clients in times of need, there is an intrinsic conflict of interest in an insurance company’s business model since each payout reduces these companies’ profit margins. Consequently, insurance companies often seek to pay the bare minimum when someone files a claim. Fortunately, attorney Scott Koplik is experienced in negotiating successful insurance settlements, sometimes without ever filing a lawsuit. Mr. Koplik’s clients routinely receive fair and appropriate compensation for their injuries, including medical expenses, lost wages and pain or emotional suffering.
What is a No-Fault Insurance Claim?
No-fault is a legally mandated form of insurance coverage which applies to automobile accidents. If you are eligible for no-fault coverage, it will be available regardless of who, or what was the cause of an accident. Under a no-fault claim, you may be covered for:
Medical bills including specialists, treatment, and various procedures (including x-rays)
Lost wages, untaxed, as 80% of your normal wage, up to $2,000 per month
Auxiliary medical expenses including Supplies and treatment-based transportation
Personal assistance services, for tasks you are unable to perform due to injury
To effectively file a no-fault claim in New York, there are several important things to keep in mind, including:
You must file an application for desired benefits within 30 days of an incident
You must collect the appropriate written documentation to cover medical bills, lost wages
You must submit no-fault medical bills within 45 days of the date of care
If you were operating an uninsured vehicle or motorcycle you may not be eligible
If you are uncertain about your eligibility, the necessary steps in filing process, close to (or past) deadlines, or simply overwhelmed by the no-fault claim process, contact New York insurance claims attorney Scott Koplik for a free consultation.
Uninsured Motorist Claims
As many as 15% of New York drivers are operating vehicles on the road without insurance. Fortunately, if you were in a motor vehicle collision, you are often legally entitled to coverage even if the party at fault was completely uninsured, by taking advantage of what is known as an uninsured motorist claim. An uninsured motorist claim will cover both damage to your vehicle, as well as any personal injury expenses–whether by covering medical bills, paying for lost wages, or otherwise. Even if you do not explicitly have uninsured motorist coverage under your name, you may still be covered if:
Someone in your immediate family has uninsured motorist coverage
You were a passenger in a vehicle of someone with uninsured motorist coverage
If the vehicle that was being operated is insured with uninsured motorist coverage
And other scenarios
While uninsured coverage will cover the entire balance of what you are entitled to, underinsured coverage also exists and will cover the discrepancy between how much the party at fault’s policy will cover and the total compensation owed.
Contact an Insurance Claims Attorney Now
To effectively negotiate with insurance companies, address any concerns you may have about the process, and ultimately secure maximum compensation, call insurance claims attorney Scott Koplik at (646) 559-8285.