Car accidents can be a stressful and confusing experience. On top of dealing with injuries and vehicle damage, you might be facing mounting medical bills and even lost wages. Knowing your rights and the different types of claims you can make is crucial to getting back on your feet.
As a union member, you have access to legal support through IAM to help you with car accident compensation claims. Here are some of the ways we can assist:
1. No-Fault Claims:
In New York, every driver is required to have “no-fault” insurance. This means that regardless of who caused the accident, your own insurance company will cover certain expenses, including:
- Medical bills: No-fault insurance covers reasonable and necessary medical expenses related to the accident.
- Lost wages: If your injuries prevent you from working, you can receive compensation for a portion of your lost income.
- Other expenses: This can include things like transportation to medical appointments and household help.
We can help you understand your legal plan’s no-fault benefits and ensure you receive the maximum coverage you’re entitled to.
2. Bodily Injury Claims:
If your injuries are serious and costs more than your no-fault coverage, you might be able to file a personal injury claim against the at-fault driver. This type of claim can compensate you for:
- Pain and suffering: This includes physical pain, emotional distress, and loss of enjoyment of life.
- Future medical expenses: If your injuries require ongoing treatment or rehabilitation, you can seek compensation for these future costs.
- Lost earning capacity: If your injuries result in long-term or permanent disability that affects your ability to earn a living, you can claim compensation for this loss.
3. Property Damage Claims:
Whether it’s to repair or replace your vehicle, you can file a property damage claim against the at-fault driver’s insurance company. If necessary, we can help you:
- Get a fair estimate for repairs: We can ensure that the insurance company doesn’t undervalue the damage to your vehicle.
- Negotiate with the insurance company: We’ll handle the communication and negotiations to secure a fair settlement.
- Recover your deductible: If you have to pay a deductible for repairs, we can help you recover that amount from the at-fault driver’s insurance.
4. Wrongful Death Claims:
In the tragic event that a car accident results in a fatality, family members may be able to file a wrongful death claim. This type of claim can help compensate for:
- Loss of financial support: This includes the income the deceased person would have provided to their family.
- Loss of companionship and guidance: This compensates for the emotional loss suffered by family members.
- Funeral expenses: The claim can cover the costs of funeral and burial arrangements.
Car Accident Support for IAM Members
Dealing with insurance companies and legal processes after a car accident can be overwhelming. IAM Member Resources is here to provide you with expert legal support and fight for the compensation you deserve. Contact us today for a free consultation – we’re here to help you every step of the way.
