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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 the cost of injuries and property damage, unless the driver who caused the accident is not insured. It's important to consult with an attorney for car accidents prior to making a recorded or written statement to an insurer. If your case is taken to court, oral and written evidence could be used against you. An experienced car accident attorney will know how to properly prepare and present a case for maximum value. Damages There are two main categories of damages a victim can receive following a car accident: economic and non-economic. Economic damages are the kind of losses that are easily quantifiable. Medical bills, lost wages and car repair costs are just a few examples. Non-economic damages, on the contrary, are more difficult to quantify. They can be characterized by pain and suffering, emotional distress and loss of enjoyment living. A skilled lawyer for car accidents can assist victims in claiming their maximum amount of compensation. They can also fight to get a fair settlement with the insurance company of the driver at the fault. They can even take the case to trial in the event that the insurance company refuses to pay full value. A competent lawyer for car accidents must ensure that victims receive compensation for all possible losses and expenses. This can be done by collecting as much information as they can from the accident scene. For instance, they could capture images of the scene of the accident and collect information from witnesses. This will prevent the insurance company from trying to deny or undervalue your claim. A car accident lawyer will also help victims estimate their total cost. This includes past and future medical treatment, as well as any expenses related to taking care of their home or hiring someone to do cooking or household chores if the injury has made it impossible for the victim to carry out these tasks. Medical bills Medical bills can quickly add after a car accident. Even with no-fault insurance or the settlement of a personal injury lawsuit these bills will not magically disappear. auto accident attorney sterling heights need help to pay them now, not later. There are two ways to quickly pay your medical bills: through your own health insurance or your automobile insurance. The former is commonly referred to as Med Pay in New York, and it covers your initial medical costs after an auto accident regardless of who is responsible for the accident. This is typically covered by the state (Medicare) and/or a private insurance plan. Always visit the doctor following an accident, particularly when you're experiencing a lack of energy or think your injuries aren't serious. An immediate evaluation can guarantee that all your injuries are treated and identified for internal injuries, as well as any external ones. Your visit will also produce medical records that could be vital in the event of a lawsuit. When these two options have been exhausted, you may use the at-fault driver's liability insurance, if their policy will pay for your damages. You will still have to pay your own deductibles and copays. In the end, you'll get reimbursed for your expenses related to the accident once an acceptable settlement has been reached with the party at fault. This is why it's crucial to keep an eye on all your expenses as well as any expenses you pay out of pocket. Loss of wages A serious accident in the car can result in lost wages. It can be extremely stressful to meet your financial obligations when you cannot work due to an injury sustained in a car accident. You may need to borrow money from relatives or rely on savings until the case is settled. A New York car accident lawyer can review your case to determine whether you have an adequate claim. In the event of a car crash, a judge awards compensatory damages to reimburse you for the amount you could have earned but for your injuries. Earnings, overtime, and benefits are all part of the phrase “economic damages.” This compensation is meant to restore you to the financial position that you were in prior to the accident. If you're unable to work due to injuries A judge determines how much you've lost by looking over a letter from the plaintiff's employer which confirms their salary or hourly wage and the length of time they've been absent from work. Other documents that are relevant include paycheck stubs, bank statements, profit-and-loss accounts, and tax returns. An attorney for auto accidents may also seek the compensation you could receive for future earnings lost. This is a complex aspect of your damage, and may be difficult to prove. An expert witness will be needed. Pain and suffering You may be left with unpaid medical expenses, damage to your property and income if you have an accident that is severe. There is also the possibility of emotional and psychological trauma. The suffering and pain you endure can be real and deserves to be compensated. An attorney can help you get the money you are due. A lawyer can also help you in dealing with insurance companies. Since insurance adjusters have their own financial interests in mind, they often try to deny or minimize your claim. A lawyer who handles car accidents can protect you from these tactics and negotiate an appropriate settlement for your injuries and losses. Record all the costs and property damage you incurred as a result of the accident. This includes medical bills, repair estimates and receipts for damaged items. Take photos of your injuries as well as the accident scene. You should not talk to anyone about the incident other than police and medical professionals. A lawyer can also help you determine who is responsible for the accident. New York is a state that utilizes “comparative negligence”, which means that the amount you are awarded for damages will be reduced by the proportion of your fault. In some instances the case, a corporation, state or city agency, or an sanitation company or public transportation service may be the liable party.