If you’ve been involved in a head-on collision in the Bronx, don’t navigate the complex insurance claim process alone. Contact Apicella & Schlesinger Attorneys at Law for a free consultation.
Head-on collisions are among the most devastating types of car accidents, often leading to severe injuries and significant property damage. In the aftermath, navigating the insurance claims process can feel overwhelming, especially when dealing with medical bills, lost wages, and emotional trauma.
What Makes Head-On Collisions Unique?
A head-on collision occurs when two vehicles traveling in opposite directions crash into each other. These accidents often result in catastrophic injuries such as:
The risk of head-on collisions is heightened in the Bronx, where traffic congestion and road construction are common. Drivers may face challenges such as wrong-way drivers, distracted driving, or impaired motorists. Understanding your rights after such an accident is crucial.
The Basics of New York’s No-Fault Insurance System
New York is a no-fault insurance state, meaning your own insurance company will cover basic expenses like medical bills and lost wages, regardless of who caused the accident. Here’s how it works:
- Personal Injury Protection (PIP): Every driver in New York is required to carry PIP insurance, which covers up to $50,000 in medical expenses and lost wages.
- When Damages Exceed PIP Limits: If your medical expenses and other damages surpass this threshold, you can file a claim against the at-fault driver’s insurance.
- Serious Injury Threshold: To sue the at-fault driver, you must meet the state’s “serious injury” threshold, which includes injuries like fractures, disfigurement, or loss of organ function.
Filing an Insurance Claim After a Head-On Collision
If you’ve been involved in a head-on collision, follow these steps to protect your claim:
- Report the Accident: Notify your insurance company about the accident immediately. Provide basic details, but avoid making statements about fault or the extent of your injuries until you’ve consulted an attorney.
- Document the Scene: Take photos of the vehicles, injuries, and any relevant details at the accident site. Collect contact information from witnesses and exchange insurance details with the other driver.
- Seek Medical Attention: Even if your injuries seem minor, see a doctor immediately. Some injuries, like concussions or internal bleeding, may not show symptoms right away. Medical records will also support your insurance claim.
- Consult an Attorney: Insurance companies often prioritize their bottom line, which means they may undervalue or deny your claim. A skilled attorney can negotiate on your behalf and ensure you receive full compensation.
Common Challenges in Insurance Claims
Dealing with insurance companies can be tricky, especially after a head-on collision. Some challenges you might face include:
- Disputed Liability: The at-fault driver’s insurance company may argue over who caused the accident.
- Delays in Payment: Insurers might delay medical bills or property damage payments.
- Lowball Settlement Offers: Initial offers from insurance companies are often far below what you’re entitled to.
How Apicella & Schlesinger Attorneys at Law Can Help
At Apicella & Schlesinger, we have decades of experience representing car accident victims in the Bronx and throughout New York City. We can help you:
- Gather Evidence: Build a solid case to prove liability and support your claim.
- Negotiate with Insurers: Handle all communications with the insurance companies to secure a fair settlement.
- File a Lawsuit: If negotiations fail, we’ll take your case to court to fight for your rights.
Free Consultation with a Bronx Car Accident Lawyer
Contact Apicella & Schlesinger Attorneys at Law to request a free consultation.
Call (212) 568-4245