Morelli Law

Your SUPER-powered WP Engine Site

Morelli Law Logo
  • About
    • Scholarships
  • Our Attorneys
  • Results
  • Practice Areas
    • Car Accidents
    • Truck Accidents
    • Wrongful Death
    • Construction Accidents
    • Medical Malpractice
    • Nursing Home Abuse
    • Personal Injury Lawyer
    • Defective Drug
    • Employment Discrimination
    • Commercial Litigation
    • Sexual Harassment Lawyers
    • All Practice Areas
  • RESOURCES
    • FAQ Morelli Law
    • Press Morelli Law
    • Blog Morelli Law
    • Broadcast
  • Testimonials
  • Areas We Serve
    • New York Personal Injury Lawyer
    • Long Island Personal Injury Lawyer
    • Philadelphia Personal Injury Lawyer
    • Albany Personal Injury Lawyer
    • Buffalo Personal Injury Lawyer
    • Hempstead Personal Injury Lawyer
    • Huntington Personal Injury Lawyer
    • Long Beach NY Personal Injury Lawyer
    • White Plains Personal Injury Lawyer
    • View All Areas

877-751-9800

Request Case Evaluation

x
  • Morelli Law Logo
  • Request Case Evaluation
  • About
    • Scholarships
  • Our Attorneys
  • Results
  • Practice Areas
    • Car Accidents
    • Truck Accidents
    • Wrongful Death
    • Construction Accidents
    • Medical Malpractice
    • Nursing Home Abuse
    • Personal Injury Lawyer
    • Defective Drug
    • Employment Discrimination
    • Commercial Litigation
    • Sexual Harassment Lawyers
    • All Practice Areas
  • RESOURCES
    • FAQ Morelli Law
    • Press Morelli Law
    • Blog Morelli Law
    • Broadcast
  • Testimonials
  • Areas We Serve
    • New York Personal Injury Lawyer
    • Long Island Personal Injury Lawyer
    • Philadelphia Personal Injury Lawyer
    • Albany Personal Injury Lawyer
    • Buffalo Personal Injury Lawyer
    • Hempstead Personal Injury Lawyer
    • Huntington Personal Injury Lawyer
    • Long Beach NY Personal Injury Lawyer
    • White Plains Personal Injury Lawyer
    • View All Areas

Should I Call My Insurance If a Car Accident Was Not My Fault?

Home » FAQ Morelli Law » Car Accidents » Should I Call My Insurance If a Car Accident Was Not My Fault?

motorist on phone after auto collision

Yes, you should call your insurance company if you were in a car accident that was not your fault. There are two main reasons for this. First, your insurance company may require you to contact them as outlined in your policy. Second, you may discover available coverage to help you with your damages, even if the accident is not your fault.

Before contacting your insurance company, you may want to consult our texting-while-driving accident lawyers in New York. An attorney can advise you on what to do after the accident, how to contact your insurance company, and what information you should provide. Your lawyer can also submit your claim on your behalf if you are recovering from injuries.

Why Should I Contact My Insurance Company?

There are several reasons why you should call your insurance after a car accident that was not your fault, such as:

New York Is a “No-Fault” Insurance State

When it comes to auto insurance, New York is a no-fault state, which means that your insurance company will reimburse you for damages regardless of who is responsible for your car accident, as clarified by the New York State Department of Financial Services.

Per the New York State Department of Motor Vehicles, you are required to carry a minimum amount of coverage that includes:

  • $25,000/$50,000 for bodily injury/death per person
  • $50,000 /$100,000 for bodily injury/death for two or more people
  • $10,000 for property damage per accident

Your insurance policy may also contain other types of coverage or benefits that help you after an auto accident. Check with your provider to find out what coverage is in your policy.

Your Insurer May Require You to Contact Them

Almost every provider requires you to contact them if you have been injured or your vehicle has been damaged. If you fail to contact your insurance company, you may be penalized by a rate increase. The company may also cancel your coverage, citing that you failed to contact them.

Faster Car Repair and Medical Benefits

If you are waiting for the other driver’s insurance company to pay for your car repair, you may be waiting for several weeks or months. By contacting your insurance company, you may be able to arrange to get your car repaired faster and get on the road more quickly.

You may also have to pay out-of-pocket for some medical services. Contacting your insurer may give you access to coverage for medical treatment faster than waiting for the other driver’s insurance company to compensate you.

What Information Should I Provide To My Insurer?

When you contact your insurance agent, you should be prepared to provide the information you collected  such as:

  • Contact information (name, address, phone) of all parties involved in the auto accident
  • Insurance policy information of all drivers involved in the accident including the driver’s name, insurance provider, and the policy number
  • The law enforcement agency (sheriff, highway patrol, city police) that arrived on the scene of the accident
  • Location, time, and date of the accident
  • Details about the damage or your injuries, and, if possible, take photos or videos of the property and damage and your injuries

Make sure the information you provide to the insurer is clear, concise, and accurate. If there are any discrepancies in the information, it could work against your personal injury case. Provide only the facts and nothing else.

Do I Need A Car Accident Lawyer?

Ideally, it is best to consult a car accident lawyer in New York before you speak with your insurance company. Your lawyer can help you with all communication and advocate on your behalf. An experienced lawyer understands the claims process and the legal system in New York. As such, they know how to navigate your claim.

Our head-on collision accident attorneys can investigate your claim to assess what happened and who is at fault for your injuries. They can also obtain evidence of fault and liability, calculate your damages, and negotiate a fair settlement. A law firm can manage your entire case while you are recovering from your injuries.

What Might My Insurance Pay if Someone Hit My Car?

Depending on your insurance coverage for your auto insurance policy, you should be covered, up to your coverage limits, whether or not you’re at-fault. You can add any of the following coverages to your policy for financial compensation:

Collision Coverage

When two cars crash, you hit an object or rollover, your collision insurance steps in to help pay for out-of-pocket expenses to your car, whether or not you were at-fault

Comprehensive Coverage

Comprehensive insurance covers damage to your vehicle that happens from an incident that isn’t collision related such as storms, fires, floods, theft or vandalism.

Liability Coverage

Liability coverage can help pay the costs of damages and injuries to others if there is an accident and you were determined at-fault. 

Medical Payments Coverage

You can get help paying medical bills for you, your family and the passengers in your car when you’re involved in an accident. You’ll also have protection if you were hit as a pedestrian.

Uninsured Coverage

These coverages can help pay for damages caused by drivers who either don’t have insurance or don’t have enough insurance to cover the costs.

What Are The Statute of Limitations for Car Accident Claims in New York?

After contacting your insurance, your car accident lawyer can advise you of any relevant New York state laws that could impact how much compensation you receive and if you have time to file your lawsuit. 

According to New York Civil Law §214.4, victims of personal injury claims have three years from the date of their accident to file a claim with the court system. Your attorney can advise you of any circumstantial factors that could extend this statute of limitations for your case. 

Contact Morelli Law Firm After Your Car Accident

No matter the circumstances, you should contact your insurance if you were in a car accident that was not your fault. Then contact Morelli Law Firm. Our legal team has the resources and staff necessary to handle your case. We fight to protect your rights and help you get the compensation you deserve for your damages.

To find out more about your legal options, call our law firm for a free case review.

    HOW CAN WE HELP?

    TELL US A LITTLE ABOUT YOUR CASE

    FAQ Categories

    • Brain Injury
    • Bus Accidents
    • Business Litigation
    • Car Accidents
      • DUI Crashes
    • Class Action Lawsuit
    • Commercial Litigation
    • Commercial Motor Vehicle Accidents
    • Construction Accidents
    • Defective Devices
    • Defective Drugs
    • Elder Abuse
    • Employment Discrimination
    • Hit-and-Run Accident
    • Medical Malpractice
    • Motorcycle Accidents
    • Nursing Home Abuse
    • Personal Injury
    • Railroad Accidents
    • Scooter Accidents
    • Sexual Harassments
    • Truck Accidents
    • Wrongful Death

    Find Yourself a Passionate Lawyer Now!

    • Hempstead Personal Injury Lawyer
    • Cape Girardeau Personal Injury Lawyer
    • Paterson Personal Injury Lawyer
    • North Bergen Personal Injury Lawyer
    • Long Beach Personal Injury Lawyer
    • St. Peters Personal Injury Lawyer
    • St. Charles Personal Injury Lawyer
    • Chesterfield Personal Injury Lawyer
    • Newark Personal Injury Lawyer
    • Passaic Personal Injury Lawyer

    Request A Case Evaluation

      To Top
      Morelli Law Firm Call For Your Free Consultation

      877-751-9800

      Office Location

      777 3rd Ave 31st Floor,
      New York, NY 10017

      Navigation

      • Home
      • About
      • Attorneys
      • Areas We Serve
      • Practice Areas
      • Results
      • Testimonials
      • FAQs
      • News
      • Blog
      • Videos

      Practice Areas

      • Car Accident Lawyer
      • Truck Accident Lawyer
      • Construction Accident Lawyer
      • Wrongful Death Lawyer
      • Medical Malpractice Lawyer
      • Nursing Home Abuse Lawyer
      • Employment Discrimination Lawyer
      • Commercial Litigation Lawyer
      • Defective Drugs Lawyer
      • Sexual Harassment Lawyer
      • All Practice Areas

      Latest FAQ

      • How to File a Police Report in NYC
      • New York Scooter Laws
      • Average Settlement for a Herniated Disc From a Car Accident

      Latest News

      • Benedict Morelli Interviewed at Trial Lawyers University Conference
      • Brain Injury Association of New York Journey of Hope Gala
      • Jenna C. Awarded TBI Survivor Scholarship
      Terms & Conditions Privacy Policy Site Map
      © 2023 Morelli Law, All rights reserved.