An Albany passenger vehicle accident lawyer from Morelli Law Firm may be able to help if you suffered serious injuries in an Albany traffic accident. You may be eligible to secure compensation outside of the state’s no-fault law if your accident or injuries meet certain criteria. Let our team review your collision case for free today. We can explain your options for recovering a payout and possibly hold the at-fault motorist responsible.
You can reach a team member from Morelli Law Firm now by calling (212) 751-9800. We provide complimentary consultations for accident victims in many areas of New York State, including Albany. You can learn more about your accident case and legal rights by contacting our team today.
Understanding New York Passenger Vehicle Accident and Insurance Laws
New York has a form of no-fault auto insurance law that requires owners and drivers of passenger vehicles to carry a Personal Injury Protection (PIP) insurance policy. This policy allows those injured in accidents to quickly recover compensation for certain losses and expenses without proving who or what caused the accident.
This system has its advantages, but there are also quite a few drawbacks. Primarily that you may not be able to recover the range of your losses because of the limits on your policy and the way they calculate your payout. This is especially true when an accident victim suffers serious injuries and misses a significant period at work.
Thankfully, the law allows for stepping outside this no-fault process in some cases. According to the New York State Department of Financial Services (DFS), all drivers must also carry liability insurance coverage in the event that they cause an accident, and those who suffered injuries in the accident qualify to file a fault-based claim.
When an injured driver files a fault-based claim with the other motorist’s insurer, they may be able to recover more damages, as well as additional types of damages.
To learn more, contact Morelli Law Firm about your Albany accident. Our team will assess your case for free and determine if you can pursue a fault-based claim. We handle these cases based on contingency for our clients.
Call (212) 751-9800 today to get started right away.
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Morelli Law Firm Represents Albany Passenger Vehicle Accident Victims
An Albany passenger vehicle accident lawyer from Morelli Law Firm may be able to seek and recover a payout that covers many of your accident-related losses. Under New York Civil Insurance Laws (ISC) §5102(d), we can apply the serious injury exemption to our client’s case and pursue a fault-based claim under certain situations. This includes if our client suffers certain long-term or permanent injuries or if they miss an extended time at work.
We understand how to prove this and other exemptions to the no-fault law. For our clients, we move forward with building a case to support their claim and seek to hold the at-fault driver responsible. We work with accident reconstruction teams, medical experts, and others to prove what happened, who caused it, and the value of our client’s case.
We generally negotiate to try to reach an out-of-court settlement with the insurance company. However, it is sometimes necessary to take legal action and go to trial to prove our client’s case.
In addition to working for accident victims in New York State up to Albany, we also help clients in New York City and on Long Island, in Northern New Jersey, and in Philadelphia. Call Morelli Law Firm about your traffic accident in our service area.
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Recoverable Damages Are Based on the Details of Your Traffic Accident Case
The damages a passenger vehicle accident victim may recover depend on the specific details of their collision, injuries, and related losses. If you are limited to filing a PIP claim, you can recover:
- Reasonable medical costs based on a published list of fees
- A portion of your missed wages, up to $2,000 per month
- A small sum daily to cover related expenses, up to $25
A fault-based auto insurance claim allows additional recoverable damages for victims who can seek these damages. This includes the possibility of additional medical care expenses, additional lost income, expanded limits on related expenses, and the recovery of non-economic losses such as pain and suffering and diminished quality of life.
Our team will work to identify and document your recoverable damages before filing your claim or taking other action on your behalf. This allows us to determine what a just settlement will look like and know when the insurance company offers a fair agreement.
We also accept wrongful death cases if your family member died because of their Albany accident injuries.
Deadlines Apply in Passenger Vehicle Accident Legal Actions
New York Civil Practice Law & Rules (CVP) §214 generally gives accident victims who meet an exemption to the no-fault law only three years to file their lawsuit. If they do not file a civil lawsuit before the third anniversary of their collision arrives, their options to recover damages likely will be limited to any arrangement they can make with the insurer outside of court.
Even when we do not need to take a case to court, time is of the essence. We need to begin our investigation as soon as the severity of our client’s injuries is known in order to preserve evidence that may be lost over time. Contact our team as quickly as possible after your accident for your free case review.
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Speak with a Team Member About Your Car Accident Case
An Albany passenger vehicle accident lawyer from Morelli Law Firm might be able to take on your collision claim and help you recover compensation for the expenses, losses, and intangible damages you suffered.
Contact Morelli Law Firm today at (212) 751-9800 to discuss your accident and injuries with a team member for free.