Car Accident Attorneys
A car accident can be a traumatic and confusing ordeal—especially when personal injury is involved. You not only have the property damage and the details and deadlines of filing insurance claims to deal with, you need to get medical care for your injury and focus on recovering.
We want to help.
Acting as your agent, Segar & Sciortino will deal with the insurance companies for you. Don’t offer a statement over the phone or in writing, or sign any documents without talking to us first.
We’ll help you answer some very common questions that you might have:
Who pays for my medical bills? Your own insurance company. It will pay for all of your medical bills up to a mandatory limit. Every automobile insurance policy will cover up to at least $50,000 for medical bills, lost wages, and other incidental losses, regardless of who is at fault.
Who pays for the time I lose from work? Again, your automobile insurance company will pay a portion of your lost wages. Your insurance company will also pay for other economic losses (such as transportation to a doctor’s office) associated with your injuries.
Who pays for the damage to my car? If you have collision coverage, you may choose to have your insurance company pay for the damage, minus your deductible. If the car accident was not your fault, your insurance company should collect the deductible from the responsible party’s insurance company. If the car accident was not your fault and you do not have collision coverage, you must look to the wrongdoer’s insurance company. Let us help.
Can I be compensated for pain and suffering? You only have a viable claim for pain and suffering if your injuries are “serious” as defined in Section 5102 of the New York State Insurance Law. This section defines a “serious injury” as:
- Significant disfigurement
- A fracture
- Loss of a fetus
- Permanent loss of use of a body organ, member, function, or system
- Permanent consequential limitation of use of a body organ or member
- Significant limitation of use of a body function or system
- Medically determined injury or impairment of a nonpermanent nature, which prevents the injured person from performing substantially all of the material acts which constitute such person’s usual and customary daily activities, for not less than 90 days during the 180 days immediately following the occurrence of the injury or impairment.
The experienced attorneys of Segar & Sciortino are available to guide you through the insurance maze when you need help the most.
If a fair settlement cannot be negotiated with the responsible insurance company, we will bring legal action in a court of law against the person who caused your injuries.