A car accident that results in hospitalization can be an overwhelming experience. You were practicing safe driving habits when suddenly, another driver collided with your vehicle, leaving you with injuries that require extended bed rest. In addition to coping with the physical toll, you may be concerned about the financial strain of hospital bills and how to file an insurance claim while confined to a hospital.
At Rubenstein & Rynecki, we understand the challenges you face and are here to guide you through pursuing compensation for your injuries, even if you cannot leave your hospital bed.
Who Pays for Your Medical Bills After a Car Accident?
In New York, the “no-fault” insurance system requires you to file a claim with your insurance provider for medical expenses and property damage resulting from a car accident, regardless of who caused it. This system differs from other states, where the at-fault driver’s insurance company typically covers these costs. However, New York law offers certain exceptions. For example, the other driver’s insurance should cover your injuries if you were a pedestrian during the accident. Additionally, if the other driver lacked adequate insurance, you may be able to seek compensation through a policy held by one of their household family members.
New York’s no-fault coverage can often alleviate the immediate financial burden of medical expenses. However, this protection is limited, as no-fault benefits typically cap at $50,000 in coverage for medical costs, lost earnings, and other expenses. If your injuries are severe and result in higher medical expenses, the limitations of no-fault insurance may be quickly exceeded. In such cases, exploring options for further compensation can be crucial to managing recovery costs.
What if Your Injuries Are Severe?
If your accident-related injuries are classified as “serious” or your economic losses exceed $50,000, New York law may allow you to sue the at-fault driver. The state defines “serious injury” broadly, encompassing conditions such as death, dismemberment, significant disfigurement, fractures, loss of a fetus, permanent loss of a body organ’s use, or an impairment that prevents you from working. If your injuries have resulted in a significant hospital stay and impacted your ability to work, you may have grounds to seek additional compensation from the other driver.
Pursuing a personal injury lawsuit for serious injuries can be essential in addressing long-term consequences beyond immediate medical costs, such as ongoing rehabilitation, adaptive equipment, and lost future earnings. Legal action may allow you to pursue compensation reflecting your injuries’ lasting impact. Serious injuries can drastically alter your life, making it important to recover the resources needed to rebuild.
How an Attorney Can Assist You While You Are Hospitalized?
Handling the details of a car accident claim while hospitalized can be daunting. A qualified attorney can organize essential documentation, such as medical records and the police report, and handle communication with insurance adjusters on your behalf. Working with a skilled car accident lawyer ensures that all necessary paperwork is completed accurately and on time, allowing you to focus on your recovery. A dedicated attorney will work to help you secure appropriate compensation for your injuries and losses.
Additionally, working with a car accident attorney means you have a professional advocating on your behalf who understands the complexities of New York’s no-fault and serious injury laws. Your lawyer can analyze your specific circumstances to determine possible avenues for recovery, particularly if the negligent driver’s insurance company attempts to minimize or deny liability. This professional guidance can be invaluable in building a strong case and striving for the best possible outcome.
Seek Assistance from the Brooklyn Car Accident Lawyers at Rubenstein & Rynecki
Being in the hospital does not mean you are without options. The experienced Brooklyn car accident lawyers at Rubenstein & Rynecki are here to help you navigate the claims process and work to protect your rights. Contact us at 718-522-1020 or fill out our online contact form for a free consultation. Our Brooklyn office proudly serves clients throughout New York City, including The Bronx, Manhattan, Queens, and Staten Island.
