Sorting out which system applies
The kind of accident usually decides the first source of payment. A collision involving a car or truck in New York generally starts with no-fault benefits for medical bills and part of lost earnings, and which policy pays depends on the vehicles and policies involved. An injury on the job usually starts with workers' compensation, regardless of who caused it. A fall in a store or apartment building points toward the property owner's liability insurance, while an injury on a public bus, or on property a public body is responsible for, brings in the rules for claims against public bodies. Sometimes two systems overlap, for example when a delivery driver is hit by another car while working.
Steps that protect the claim
Get medical care and tell each provider how the injury happened, because the first records often frame the whole claim. Report the accident to the police, your employer, or the property manager, depending on where it happened, and ask how to get a copy of the report. Several of these systems have short notice deadlines, including no-fault applications and notices of claim against public entities. Photograph the location and your injuries, and keep receipts for every expense the accident caused. When an adjuster for the other side calls, you can take their information and say you will get back to them.
Mapping every source of payment
An accident injury can involve more than one claim, and overlooking one is a common problem. Our first step is to identify every potential source of payment, including your own policies, which deadlines are already running, and whether anyone besides the obvious party shares responsibility. We also explain how a claim for pain and suffering, where one is available, fits alongside benefits that pay bills as they come in. Bring the accident report number, insurance cards, any letters from insurers, and a list of everywhere you have been treated.
