EIGHT THINGS YOU SHOULD KNOW ABOUT YOUR NEW YORK CAR ACCIDENT-PART ONE - THE FIRST FOUR QUESTIONS
From: New York attorney Gary E. Rosenberg (personal injury and accident attorney and lawyer; serving Brooklyn Queens Bronx; Brooklyn Injury Attorney)
1. Q: Do I have to be a U.S. citizen to make an insurance or accident claim?
A: No. U.S. citizenship is not a pre-requisite to making an insurance claim, even if you are not here legally, which we call "undocumented."
2. Q: How long do I have to file a lawsuit for an accident?
A: Each state varies. In New York State, you have three years from the date of accident; minors usually have more time (they have until they are 21 years-old in the State of New York, for example). Failure to file in time will forever bar your case and your recovery. Please note that there are shorter deadlines to file for certain motor vehicle insurance benefits and also to sue a municipality (City, State, Transit Authority, etc.). It is critical to check with an attorney to make sure you know the right time limits for your case.
3. Q: What is the minimum automobile insurance coverage I must carry in my state?
A: In New York States you have to carry a minimum of $25,000 per person $50,000 per occurrence liability coverage. However, I recommend you carry more: med pay, UM/UIM, towing and car rental coverage. I believe you should carry at least a $100,000/$300,000 liability accident insurance policy. You will be surprised how low the premiums are. Check with your insurance agent to compare prices. Don't wait until you are in an accident before realize you needed more coverage.
4. Q: If I am cited by police officer or trooper in an accident, can I still collect a settlement?
A: If you are cited for an infraction that was not the cause of the accident, you may still make a insurance claim. If you are cited for factors that caused the accident, you may still collect a settlement if you are not the primary cause of the accident. Check with an experienced personal injury and accident lawyer.
