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Why You Should Consult With an Auto Accident Lawyer Under Florida's no-fault auto insurance law your insurance policy for your vehicle covers property damage and injuries unless the responsible driver is uninsured. It is crucial to speak with a car accident attorney before making a recorded or a written statement to an insurer. Written and oral evidence can be used against you if your case goes to trial. An experienced car accident attorney will know how to properly prepare and testify in a trial for maximum value. Damages There are two types of damages victims may be awarded following a car accident. These are the economic and non-economic. Economic damages are the kind of losses which can be easily determined. Medical bills, lost wages and the cost of vehicle repairs are examples. Non-economic damages, on the contrary, are more difficult to quantify. They may include things such as pain and suffering, loss of enjoyment of life, and emotional distress. A skilled lawyer for car accidents can assist victims in claiming the maximum amount of compensation. They can also help fight to get a fair settlement from the insurance company of the driver who was at fault. They may even make the case go to trial in the event that the insurance company refuses to make a full payment. auto accident law firm hayward for car accidents should make sure that victims account for all of the potential losses and expenses. This can be done by collecting as much information as is possible from the scene of the accident. They can, for instance take photos of the scene of the accident, and gather information from witnesses. This will ensure that the insurance company doesn't try to minimize a claim, or deny it altogether. A lawyer from a car accident can assist victims in calculating their total costs. This includes past and future medical treatment as well as any expenses related to house care or hiring someone to perform chores or cook if injury makes it impossible for the victim to complete these tasks. Medical bills If you're involved in a car accident, medical bills could accumulate quickly. Even with no-fault insurance or an injury lawsuit settlement these bills will not magically disappear. You need help paying them now, not later. Luckily, there are two options to pay for medical expenses through your car insurance and your health insurance. The former is commonly known as Med Pay in New York, and it covers your initial medical costs after an accident, regardless of who was responsible for the crash. This is typically a state-funded program (Medicare) or through an insurance company that is private. Always visit a doctor if you feel unwell or if your injuries do not seem severe. A quick assessment will ensure that your injuries, which may include internal injuries, are assessed and treated. Additionally your visit can result in medical reports that can be vital in the event of a lawsuit. After these two avenues have been exhausted, you can turn to the at-fault driver's liability insurance if it will pay for your damages. Be aware, however, that you will have to pay your own deductible as well as copays first. When an agreement is reached with the responsible party you will be compensated for the entire cost of the accident. This is why it's crucial to keep in mind all your bills as well as any expenses you pay out of your pocket. Lost wages A serious car crash could also result in a loss of income. If you are unable work due to injuries sustained in an accident, it could be extremely stressful to keep up with your financial obligations daily. You may need to borrow money from your family or rely on your own savings until your case is settled. A seasoned New York car accident attorney can examine your case and determine if you have an appropriate claim for loss of earnings. In the event of a car crash, a judge grants compensatory damages that reimburse you for the money you could have earned but for your injury. Pay, overtime, and benefits are all included in the phrase “economic damages.” The compensation is intended to return you to the financial situation you were in before the accident. A judge will determine the amount you've lost when you missed work because of injuries by reviewing a letter that confirms the plaintiff's salary or hourly rate, and how long you were off from work. Other pertinent documentation could include bank statements, profit-and-loss accounts, and tax returns. A lawyer for car accidents may also seek compensation for future earnings that could be lost. This is a complex component of your damages that can be difficult to prove and will require the help of an expert witness. Suffering and pain You may be left with unpaid medical bills, damages to your property, or even lost income if you suffer an accident that is serious. You could also be suffering from psychological and emotional trauma. The pain and suffering you experience can be very real and requires compensation. A lawyer can help you obtain the money you're due. A lawyer can also assist you deal with insurance companies. Since insurance adjusters have their own financial interests at heart they frequently try to minimize or deny your claim. A lawyer who has experience in car accidents can help you defend yourself against these tactics and negotiate for a fair settlement of your damages and losses. Keep track of all the expenses and damage to property that you incurred as the result of the accident. Included in this are medical bills, estimates for repairs and receipts for items damaged. Take photos of your injuries and the accident scene. You should avoid discussing the accident with anyone, besides police officers and medical professionals. An attorney can help identify the person who caused the accident. New York is a state which uses “comparative negligence” which means that the amount you receive for damages will be reduced by the percentage of your responsibility. In some instances the party responsible could be a corporation, city or state agency or a sanitation or public transportation company.