When you need to file a New York auto insurance claim because you have sustained a personal injury in a car accident then you may be aware that you deserve compensation, but how do you get it? How much do you deserve? Are there laws in place that you need to know about in order to successfully file a claim?
Minimum Insurance Requirements For New York
Drivers in New York are required to have at least $25,000 of insurance coverage. If the other driver is at fault and fails to meet this minimum standard of insurance coverage then you may be able to file a claim with your own insurance company under the heading of underinsured motorist coverage. If the at fault driver only has limited coverage then sometimes their insurance company can be convinced to settle or you may have to pursue further legal action. If the New York insurance company does not conduct itself in accordance with the laws and rules that apply to personal injury claim compensation then you may have to face this problem directly.
New York Bad Faith Law
The New York bad faith law applies to insurance companies that do not conduct themselves in good faith. A New York insurance company conducting its affairs in good faith will pay out legitimate claims and do right by those it insures. Those operating in bad faith will not. If you have a legitimate New York auto insurance claim and that claim has been denied or underpaid then you need to follow up on this matter. Insurance companies have a responsibility to be fair and when they are not you have to follow up on this bad faith dealing yourself.
Every Case Is Different
Before you start comparing one auto insurance claim to another, remember that every case is different. The details of any case in New York, like who is at fault and the extent of your injuries, can affect your right to compensation and the amount of compensation that you might receive so you need to know all the details and what those details mean. To learn everything you need to know, or to have someone on your side who knows it all for you, turn to an attorney who knows New York personal injury compensation laws.
Involving An Attorney In This Matter
You need to involve an attorney because you want to make sure that you get all the compensation that New York personal injury compensation laws afford you. These laws are there to protect you so get an attorney who will use them to make things right.
