Questions About Accident Injury Claim?
STARTING AN ACCIDENT INJURY CLAIM
How to get started?
Easy. Go to start a claim and answer less than ten questions about your accident.
You get an immediate response that our legal team will be able to assist with your accident claim.
Case was Accepted. Then what?
Log into your account and complete what’s pending. We will reach out to you within one business day.
Claim is Under review. What’s next?
We are just looking at the details of your claim. We will update you via text or email soon.
Aghhh my current lawyer. Can I switch?
Yes. You can switch. come to accident claims experts. We take care of the paperwork.
How long does an accident injury claim take?
It depends on the physical therapy you are receiving; how compliant you are; at fault insurance carrier.
POLICE REPORT
Do police officer write police reports in NYC?
If accident victim agrees to go with ambulance yes.
If victim refuses ambulance, officer can choose to write or not
What is New York MV-104 accident report form?
Self-written police like report
NYC officer will ask you to exchange info and fill on your own. Call us first.
CLAIM PROCESS/CASE
Is there a client portal?
Yes here. enter your email. Receive an email with a link. Link goes to your account. See claim status.
What determines my Settlement Amount?
The rehabilitative treatments you received. Surgery vs. Injections vs plain physical therapy or chiropractic therapy.
Do I have to take MRIs?
Yes. A doctor will explain this process. But Judges considers if MRI showed any injuries you are claiming.
Do I have to attend any Insurance appointments?
Yes. Your insurance schedules a No fault-PIP independent medical examination (IME) at the beginning of the claim. At fault driver’s insurance schedules liability IME later on in the claim process
Is it a big deal if I don’t attend IME?
Yes. If you don’t, your insurance has a right to deny paying for your medical cost. you violated policy At fault driver’s insurance also can refuse to settle your claim-they had a right to examine you
Do I have to go to Court?
No. you only have to attend a zoom meeting on your cell at home or wherever you like
CONTACTING YOUR LEGAL TEAM
Can I contact my legal team and lawyer?
You can text, call at any time or email us at support@njnyinjury.com so we can answer your questions
Can I send letters or more information online?
Yes. Log into your account and upload your files or email us at support@njnyinjury.com
Can I speak with my lawyer on the phone?
Yes. You can call lawyer on the phone at business hours or our virtual receptionist 24 hours a day
LOST WAGES CLAIM
Who pays lost wages?
Your own insurance policy
How do I apply?
Call or email out legal team to assist you
How much do I get?
Call or email out attorney at support@njnyinjury.com
LAWSUIT
What is summons and complaint?
Attorney files the lawsuit or case in court after accident
What is discovery period?
After lawsuit is filed, when medical records are exchanged
What is deposition?
Victim and at fault drivers testify via Zoom video
What is arbitration or mediation?
Your attorney and at fault driver’s insurance negotiate to settle
What is a trial?
Case did not settle, jury or judge listen and decide settlement or not
GETTING PAID
Do you do direct deposit?
Yes. You can get paid via direct deposit straight to your bank account when we win
How does lawyer get paid?
If we win the case, we receive the standard % of the settlement (33%). We show you the agreement And explain before we begin work on your injury claim
How long does accident claim usually take?
In most car accident cases up to one year. But each case varies depending on how complex your claim maybe. However, there is instances where case takes as little as six months to complete.
GENERAL POLICY CLAIM COVERAGES
Do I need liability insurance?
All drivers are required to carry liability insurance
Why have Uninsured Motorist (UM)/Underinsured Motorist (UIM)insurance?
Used for hit and runs or if the other driver did not have insurance
Why have Personal Injury Protection (PIP)?
Insurance used to pay for all your medical treatments in New Jersey accident claim
Why have No Fault Benefits?
Insurance used to pay for all medical treatment in New York accident claim
What is Medical Payments Coverage or MedPay?
an optional insurance that can be added to you auto policy
REQUIRED MINIMUM LIABILITY INSURANCE
What is NY liability Coverage?
$25,000/$50,000/$10,000
What is NJ liability coverage?
$25,000/$50,000/$25,000
STATE INSURANCE FOR UNINSURED VICTIM INSURANCE
Does NY state insurance cover pedestrian and cyclist?
Yes. Under MVAIC- $25,000/$50,000
Does NJ state insurance cover pedestrians and cyclist?
Yes. Under NJPLEGA-$25,000/$50,000
Does NY or NJ state insurances cover scooters?
It depends on the speed of the scooter
VEHICLE DAMAGE POLICY COVERAGE
What is collision, comprehensive?
Pays for damage to your vehicle listed in the policy after accident/collision
What is Towing insurance?
Pay your towing cost up to the listed polity limits
What is Rental Insurance?
Pays for rental cost while your vehicle is being repaired
What is Total loss?
Cost to repair is more than the cash value of the car after accident
What is Diminished value?
Vehicle cash value before accident -value after the accident/collision
What are miscellaneous Expenses?
After accident -lost property, storage, towing