4 helpful tips for a personal injury case

  • Contact a personal injury lawyer immediately to protect your rights.
  • If injured, seek medical treatments as soon as possible.
  • Report all work accidents to your employer. Give your employer the accident report, and keep a copy of all documents for yourself.
  • Gather evidence: get the names of all witnesses to your accident.

5 helpful tips for an automobile accident:

  • Always call the police. Do not leave the scene of the accident until the police arrive. If you leave the scene, you may be subject to criminal prosecution.
  • Ask the police officer how to obtain a copy of the police report. Write down the officer’s name and badge number.
  • Obtain as much information about the other automobile from the driver: driver’s name, address, phone number, license number, insurance policy, and policy number.
  • Record your surroundings: time of the day, weather conditions, street light, location of the vehicle, crosswalks, stop signs, and traffic signals.
  • Notify your insurance agent/company immediately. Failure to report the accident could result in your insurance company denying coverage for the accident.

Purchasing automobile insurance

  • We suggest that you purchase the maximum amounts of liability coverage offered by your insurance company. Excess, umbrella, or catastrophic insurance is available to further supplement your coverage. This provides protection in a motor vehicle accident if you are sued by one or more parties for their injuries or damages to their vehicles or properties. Another supplemental coverage that we strongly recommend you purchase is underinsurance, also known as supplemental uninsured motorist (SUM) insurance. With this coverage, you and your household family members will be protected up to the bodily-injury limits of your policy. Uninsured/underinsured motorist (UM/UIM) coverage can also protect you against uninsured drivers.
  • You should comparison-shop by taking advantage of the consumer information provided by your state’s insurance department. Contact several agents, brokers, or insurers when shopping for automobile insurance, and shop around to obtain the best available coverage and service at the most reasonable price. You should get at least three quotes.
  • You may ask for higher deductibles. A deductible is the amount of money you pay before your insurance company pays for the rest of the damage(s). Higher deductibles usually mean lower premiums. When purchasing car insurance, you should compare prices for coverage among different insurance companies. Since you are buying insurance as a way to get reimbursements if you are injured or your car is damaged, it is important that the insurance company you select pays promptly. In addition, you can consult the New York State Insurance Department’s consumer guide to automobile insurance. This guide contains price information for 25 insurers by number of complaints. The guide is free and can be obtained by calling (800) 342-3736, or going on the department’s website at www.ins.state.ny.us