If you were injured in a car accident, seek medical attention immediately. You may not even realize that you have been injured — and your injuries may be more severe than you think. It is best to proceed with extreme caution for your own health and safety. Symptoms may take days to appear. Not only can a delay in treatment be life-threatening, but the longer you wait, the more difficult it may be to relate those injuries to the accident.
Things to Consider
• Under New York’s No-Fault law, your own insurance carrier will pay your medical bills and wage loss. You will recover from the negligent driver's insurance company for “pain and suffering” if the at-fault operator caused a “serious” injury. A “serious” injury is generally defined as any fracture, a significantly or totally disabling injury, a disfiguring injury, or death. It must cause an objective injury that causes a diminished enjoyment of life or the inability to perform daily activities.
• If your injuries are not “serious,” then your “no-fault” insurance policy should pay your medical bills and wage loss for time lost from work. Sometimes, the insurance company refuses to pay pursuant to the policy. If that happens, you may file a complaint against your own insurance company for benefits.