Car accidents are all too common in Islip. They can leave injured victims worried about their ability to pay for the sudden wave of medical bills they’ll face. Whether you were trying to pick up dinner at the Stop & Shop or just going out for a scoop at  Coyles with the family, the roads of Islip always pose potential dangers. According to the NY Dept of Health, on an average month car crashes in Suffolk County lead to 1,466 emergency room visits, 122 long-term hospital stays and 11 tragic deaths.

Carner & DeVita want to be there for you in your time of need after your accident. If you are worried about an insurance company not paying a fair amount for your medical expenses or want to prove that a negligent driver should be liable for your damages, we are ready to help you. Our legal strategies put you in the best position to potentially win your case and get the compensation you need to recover after your devastating accident. Any time you or a loved one has been hurt in a car accident, know that you can speak to an experienced Islip personal injury lawyer. Schedule your free, no-obligation consultation by calling 631-543-7070 or using our convenient form to contact us online.

An injured woman sits beside her car, waiting for her Islip car accident lawyer.

An Islip car accident lawyer will be by your side when you need it most.

When to Talk to an Islip Car Accident Lawyer

Some insurance claims filed after a car accident proceed without any trouble, but injury victims should know that insurers only have the motivation to look out for their own best interests. They might offer a settlement much lower than you deserve, or they may try to dispute your claim liability claim. Insurance representatives may also mislead victims into signing agreements that can hurt their ability to seek a claim. Injury victims can fight back against these tactics by appointing an Islip car accident lawyer as their legal representative. Situations where car accident lawyers provide valuable services include times when:

  • You have been seriously hurt
  • Your property is significantly damaged, such as having a newer car totaled
  • The other driver did not carry the minimum insurance or was uninsured
  • Another party alleges that you were at fault for the accident, not them
  • An at fault driver or their insurance company denies responsibility for your claim
  • You want to protect your legal rights and form an optimal strategy to seek the highest available compensation

Types of Insurance Claims Available after an Islip, NY Car Wreck

If you have been injured in your car accident or had a large amount of personal property damage, you can generally rely on two types of insurance policies:

No-Fault Insurance

New York State insurance laws require individuals to carry a minimum of $25,000 in “No-Fault” insurance, which covers the policyholder regardless of who is at fault. While each policy can vary and exclusions can apply, No-Fault insurance generally provides benefits up to the policy limit for:

  • All reasonable and necessary medical treatment and rehabilitation expenses
  • 80% of lost earnings while recovering, up to a max of $2,000 per month for 3 years
  • Up to $25 a day for a year to cover expenses directly caused by the accident or injury

Anyone can add a supplemental uninsured motorist endorsement to their No-Fault insurance to provide liability coverage in the event that they are hit by a driver who has no insurance or who flees the accident and cannot be located.

Liability Insurance

Every driver in New York must also carry a liability coverage minimum of $25,000 for bodily injury to everyone involved in an accident and up to $25,000 in property damage, per accident. Unlike many other states, New York disallows bringing forth a third-party liability claim except for incidents where someone is “seriously injured” and another driver is likely at fault. Fault is determined by the legal principles of negligence, which say that anyone who acted contrary to their duty to uphold driving laws or who made unsafe decisions a reasonable person wouldn’t be deemed negligent and, thereby, liable for the injuries they cause. Common types of negligence seen in Islip car crashes include:

  • Speeding
  • Distracted driving
  • Driving under the influence of drugs, alcohol or Rx pills
  • Drowsy driving
  • Following too closely
  • Making illegal or dangerous driving maneuvers

Work with Islip Car Accident Attorneys Who Care About Your Case

If you have significant losses as a result of your accident, want compensation for pain and suffering, want to seek compensation for the death of a family member, or generally want help and guidance during your car accident claim, you will want to work with an Islip personal injury lawyer who can represent your legal interests. The Islip car accident lawyers at Carner & DeVita will fight vigorously so that you can assemble the strongest claim possible. We will file all of the needed documents, assemble evidence of your injury costs, make a strong case for negligence, and negotiate with insurers on your behalf. If your case cannot be settled out of court, your lawyer will even be willing to take your case to trial if necessary. Start working with a car accident lawyer in Islip who wants to provide the best strategy possible for your injury case. You can receive a free, no-obligation consultation when you contact us online now or call 631-543-7070.

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