At Powers & Santola, LLP, our Schenectady auto accident lawyers are skilled, experienced advocates for injured victims. We only take a limited number of cases—ensuring that our attorneys are in the best position to devote our full attention and resources to each and every client. If you or someone you know was seriously injured in a traffic collision, we are here to help. For a no-cost, no-obligation initial consultation with a top-rated New York auto accident attorney, please call us today.
Auto Accidents: A Safety Hazard In New York
Motor vehicle accidents are among the leading cause of serious injuries in New York. According to the New York Department of Motor Vehicles (DMV), approximately 170,000 car accident injuries are reported in the state annually. While collisions can happen for a wide variety of different reasons, most of them could have been prevented if proper care was taken. Some common causes of car accidents in New York include:
- Following too closely (tailgating);
- Running red lights;
- Running stop signs;
- Unsafe merges/lane changes;
- Other traffic violations;
- Distracted or inattentive driving;
- Drunk driving; and
- Drugged driving.
A Guide To New York’s No-Fault Auto Insurance Laws
New York is one of a relatively small number of states that has well-developed ‘no-fault’ insurance laws. All motorists in our state are required to purchase a no-fault insurance policy that includes a type of coverage called Personal Injury Protection (PIP).
If you suffered injuries in a crash, your first recourse is through your own no-fault insurance policy. Your own PIP insurance should provide initial coverage for losses arising from bodily injury, including necessary medical rehabilitation expenses, 80 percent of lost work earnings (capped at $2,000 per month and limited to three years), $25 per day, maximum, for up to one year after the crash for other reasonable and necessary expenses, and/or $2,000 death benefit (in addition to the $50,000 basic no-fault limit) to the estate of a person killed in a motor vehicle accident. It does not apply to property damage or cover pain and suffering damages.
Disputes still arise over no-fault claims. Even your own insurance company can be very difficult to deal with after an accident.
Serious Accidents: You Can Step Outside Of The No-Fault System
New York’s no-fault insurance system is designed to address minor and moderate collisions. If you suffered a serious injury in an accident, you can step outside of the system and file a personal injury claim directly against the negligent defendant.
Our state uses a standard called the 90/180-day rule to help determine if an accident is “serious” enough for a fault-based claim. This rule applies if you suffered an injury that was so severe that it disrupted your normal day-to-day functioning for at least 90 days out of the first 180 days immediately following the wreck.
Injured Victims Deserve Financial Compensation
A serious car accident can cause significant disruption to the life of the victim. In New York, injured victims have the right to seek compensation for the full extent of their losses. Unfortunately, the large insurance companies that handle these claims are notoriously aggressive—their primary objective is to resolve claims for the lowest amount that they can get away with.
At Powers & Santola, LLP, our Schenectady attorneys fight to help clients maximize their compensation. Depending on the nature and severity of your collision, you may be eligible to recover for:
- Vehicle repairs or replacement;
- Emergency room care;
- Medical expenses;
- Rehabilitative care;
- Loss of current and future income;
- Pain and suffering;
- Long-term disability;
- Permanent impairment; and
- Wrongful death claims.
Why Trust The Schenectady Car Accident Attorneys At Powers & Santola
Navigating New York’s auto accident claims process can be complicated. At Powers & Santola, LLP, our Schenectady personal injury lawyers are committed to helping crash victims maximize their financial recovery. When you reach out to our law office, you will have an opportunity to consult with a car accident lawyer who can:
- Conduct a free, in-depth review of your crash:
- Explain your rights and options under New York law;
- Investigate the collision and gather relevant evidence, including crash reports, photographs, witness statements, and medical records;
- Handle communications, paperwork, and settlement negotiations with insurers; and
- Devise a legal strategy to get you the best results.
Following a car accident, the last thing you need is another bill that needs to be paid. With our law firm, you do not have to worry about whether or not you can afford a top-rated attorney. We handle all auto accident claims on a contingency basis—you do not pay a dime until we win or settle your case.
Speak To Our Schenectady Auto Accident Attorneys Today
At Powers & Santola, LLP, our New York motor vehicle accident lawyers are committed to serving clients with the highest level of professional skill. We will fight aggressively to help you maximize your financial recovery. For a free, no commitment case evaluation, please contact our law firm today. We represent car accident victims throughout Schenectady County, including in Rotterdam, Princetown, Duanesburg, and Glenville.