Whose Insurance Pays in a Multi-Car Accident? - Keetick L. Sanchez

BSPE Legal Marketing Podcast

From K L Sanchez Law Office, P.C. – Navigating the aftermath of a multi-car accident can quickly become overwhelming, especially when determining who should cover medical bills, property damage, and lost wages. In this episode, we discuss the article "Whose Insurance Pays in a Multi-Car Accident?" and explore how liability is assigned under New York’s no-fault insurance laws and comparative negligence rules. Multi-vehicle collisions often involve complex fault allocation, making it essential to understand how Personal Injury Protection (PIP) coverage, liability insurance, and Uninsured or Underinsured Motorist (UM/UIM) coverage come into play.
New York's pure comparative negligence law allows injured drivers to recover damages even if they bear a portion of the fault. We'll break down how investigators assess driver behavior, environmental factors, and eyewitness testimony to build a complete picture of the accident. Understanding fault percentages is critical when filing insurance claims, especially in multi-car accidents involving out-of-state or uninsured drivers. The Deemer Provision and serious injury threshold are unique aspects of New York law that can impact compensation eligibility beyond PIP limits.
We also highlight how PIP coverage handles immediate medical expenses and lost wages, regardless of fault. However, when injuries surpass PIP limits or meet the serious injury threshold, liability insurance from the at-fault driver may cover additional damages such as long-term medical care and pain and suffering. The process of coordinating multiple insurance claims across different policies can be daunting, particularly when dealing with Supplementary Uninsured/Underinsured Motorist (SUM) coverage to fill any financial gaps.
Whether you're navigating insurance claims after a crash or need to file a lawsuit for further compensation, having a thorough understanding of New York insurance laws is essential. Multi-car accidents often involve shared liability across several drivers, and knowing your rights can help ensure you're not left financially vulnerable. If you've been involved in a multi-car accident, K L Sanchez Law Office, P.C. in Queens is ready to assist in securing fair compensation.
K L Sanchez Law Office, P.C.
3763 83rd St #1m, Jackson Heights, NY 11372, United States
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