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Why You Should Consult With an Auto Accident Lawyer Under Florida's no-fault auto insurance law the policy you have with your auto insurance covers the cost of injuries and property damage, unless the responsible driver is uninsured. This is the reason it's advisable to consult a lawyer for a car accident prior to giving a recorded or written statement to the insurer. If your case goes to court, both oral and written evidence could be used against you. An experienced attorney for car accidents will know how to properly make a case and then try it to maximize the value. Damages There are two types of damages victims may be awarded following an automobile accident. These are the economic and non-economic. Economic damages are quantifiable and measurable which can be easily determined. Medical bills, lost wages, and car repair costs are some examples. Non-economic damages are harder to quantify. These damages may include emotional distress and loss of enjoyment of living. An experienced lawyer in car accidents can assist victims get the maximum compensation. They can also try to reach a fair settlement with the insurance company of the driver who was at the fault. If the insurance company doesn't agree to payment, they can go to court. A competent lawyer in car accidents needs to ensure that the victims are compensated for their potential losses and expenses. This can be done by collecting as much information as is possible from the accident scene. For instance, they could take photographs of the scene of the accident and gather information from witnesses. This will stop the insurance company from trying to reduce or deny your claim. In addition, a car accident lawyer can assist victims in calculating the total cost of their injuries. This includes past and future medical treatments, as well as any expenses related to the home or hiring someone else to do chores or cook, if the injury makes it impossible for the victim to complete these tasks. Medical bills When you're involved in a car accident, medical bills could increase quickly. Even with no-fault insurance or a settlement for personal injury lawsuits, those bills won't magically disappear. It is imperative to pay them now and not later. There are two quick ways to pay for medical expenses that are covered by your car insurance and health insurance. In New York, the former is called Med Pay and covers the first medical expenses following an auto accident regardless of who was responsible. The latter is usually provided by the state (Medicare) or through an insurance plan offered by a private company. Always go to the doctor if you feel sick or if your injuries don't appear to be severe. A quick examination can ensure that all your injuries are properly treated for internal injuries, as well as any external ones. In addition your visit will result in a medical report that can be vital in an action. If you've exhausted these two options If you have exhausted both options, you can turn to the driver who was at fault's liability policy if it is sufficient to pay for any damages. Keep in mind, however, that you will have to pay your own deductible and copays before you can pay. Ultimately, you'll be reimbursed for any accident-related expenses after an acceptable settlement is reached with the responsible party. This is why it's vital to keep track of all your bills and expenses out of your pocket. Loss of wages A serious accident in the car can also cause lost wages. It can be extremely stressful to fulfill your financial obligations if you cannot work due to a car accident injury. You may have to borrow money from relatives or use savings from your personal account until your case is settled. A New York car accident lawyer will review your case to determine if you have a valid claim. In cases of car accidents, the judge will give compensatory damages to compensate you for the amount you would have earned if you hadn't been injured. Benefits, wages and overtime are all included under the umbrella term of “economic damages.” The goal of this type of compensation is to return you to your financial position prior to the time of the accident. When you're missing work because of your 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 as well as the time they've been away from work. Bank statements and paycheck stubs are also pertinent. Profit-and-loss accounts, tax returns and profit-and-loss reports can also be included. In addition to lost income In addition to the loss of income, a lawyer for auto accidents will seek compensation for lost earnings potential. This is a specialized aspect of your damages that can be difficult to prove and may require the help of an expert witness. Pain and suffering A serious car crash can cause medical bills, property damage and loss of income. You may also experience psychological and emotional trauma. The suffering and pain you endure can be real and deserve to be paid. A lawyer can assist you in getting the compensation you're due. A lawyer can also assist you in dealing with insurance companies. Insurance adjusters are motivated by their own financial interests and often attempt to deny or minimize your claim. A lawyer who has experience in car accidents can defend you from these tactics and negotiate for an equitable settlement of your injuries and losses. While you're recovering from your injuries, it's crucial to note all expenses and property damage that comes with the accident. Included in this are medical bills, estimates for repairs and receipts for damaged items. Photograph your injuries and the accident scene. auto accident law firm danbury should also avoid talking to anyone about the incident except for medical and police experts. A lawyer can also help you determine who is responsible for the accident. New York is a state that uses “comparative negligence”, which means that the amount you receive for damages will be reduced by the percentage of your responsibility. In certain cases it is a corporation, city or state agency, the public sanitation company or transportation service could be the responsible party.