Supplemental Insurance Attorney in New York
If you’ve been hurt in an accident, figuring out how you’ll pay for your medical bills, wage loss, and other injury-related expenses can be daunting. Whether you’re already struggling with insurance claim denials or you’re confused about your options for recovering compensation, our local, dedicated supplemental insurance attorneys at James Alexander Law can help.
What is Supplemental Insurance?
Supplemental insurance is an additional layer of coverage used to cover accident or injury-related expenses that aren’t covered by basic auto, homeowners, or health insurance policies. It can help with costs like medical expenses, lost wages, rehabilitation, home care, and hospital stays.
Common types of supplemental insurance include:
- Accident insurance
- Hospital indemnity insurance
- Critical illness insurance
- Disability insurance
These types of policies may be offered through your employer or purchased privately. Believe it or not, many people who have supplemental insurance coverage don’t even realize it, so if you’ve been hurt in a car or truck accident, it’s important to look at all the resources that may be available to you. Our supplemental insurance lawyers can review your policies and determine what kind of coverage you have.
Understanding Auto Insurance in New York
New York is a no-fault auto insurance state, which means that your own policy pays for your medical bills and lost wages up to a certain limit. While the no-fault system is designed to streamline the claims process, it also limits your ability to sue an at-fault party unless you meet the state’s “serious injury threshold.” This means your options for recovery may be limited unless you have supplemental insurance coverage or you’re eligible to file an injury claim against the other driver.
Minimum insurance requirements in New York include:
- At least $50,000 per person for Personal Injury Protection (PIP), which pays for medical expenses, lost wages, and other expenses such as transportation to medical appointments or household help.
- At least $25,000 per person and $50,000 per accident for bodily injury liability.
- At least $10,000 per accident for property damage liability.
- A minimum of $25,000 per person and $50,000 per accident for uninsured motorist coverage (UM/UIM), which can be used if an at-fault party doesn’t have adequate insurance or you’re hurt in a hit-and-run accident.
If you’re hurt in an accident, these amounts can quickly be eaten up by medical treatment, hospital stays, rehabilitation, and lost time from work. This is where supplemental insurance can help fill the gap.
If you or a loved one has been injured and you’re having a hard time figuring out how to get enough compensation to cover all your damages or your insurer is giving you the runaround, our injury attorneys can help you understand your rights and options.
Common Issues with Supplemental Insurance after a Car Accident in New York
Regardless of how long you’ve had a policy, insurance companies will always try to find ways to minimize payouts or deny claims. Some of the most common issues our supplemental insurance lawyers see include:
- Low settlement offers
- Denied claims
- Downplaying the seriousness of victims’ injuries
- Disputes over what is considered a “covered injury”
- Disagreements about whether your accident meets the policy definition
- Denials based on fine print or technicalities
Hiring a supplemental insurance attorney can ensure your rights are protected, help you pursue all avenues of compensation, and give you the best possible chance of a successful outcome for your case.
How Our Supplemental Insurance Lawyers Can Help
If you’re running into issues with insurers or you’re unsure about where to begin, our New York injury lawyers guide you through the process every step of the way.
Identify and Pursue All Sources of Coverage
We review your auto insurance policy and any supplemental coverage you have and explain what’s covered, what isn’t, and the best course of action for pursing and maximizing your compensation.
We thoroughly review your case and determine whether you have a case against an at-fault driver or other liable parties. If you have a viable car accident claim, we can help you pursue damages such as future medical bills, loss of earning capacity, pain and suffering, and more.
Fight for Fair Compensation
Our injury attorneys have a proven record of success when it comes to helping clients recover maximum compensation for their injuries and losses. Our local, experienced law firm is one of the most respected in central New York. Although most injury claims are settled outside the courtroom, our supplemental insurance attorneys are seasoned litigators who know how to present compelling arguments to judges and juries.
We’ve represented thousands of injury clients over the past 40 years, and have extensive experience handling complex insurance claims. We offer straightforward legal advice you can trust, and your initial consultation is always free. Our supplemental insurance lawyers take cases on contingency, which means you won’t incur any up-front costs and attorneys’ fees are paid as a percentage of any settlement or award you receive, only if we win your case.
Our injury attorneys offer two convenient locations in in East Syracuse and Rochester, and serve clients in central New York, the Southern Tier, and surrounding areas.
Contact a Supplemental Insurance Attorney to Schedule a Free Case Evaluation
At James Alexander Law, we know that dealing with insurance claims can be overwhelming and frustrating. Let us take the weight off your shoulders and fight for the compensation you deserve. To schedule a free consultation with an injury attorney in central New York, contact us or call 1-800-529-1333.
