Bay Shore Parking Lot Accident Lawyer
Driving in parking lots and garages is a lot more dangerous than most people think. Thousands of people each year are injured in parking lot and garage accidents. The party responsible for the collision could be held liable in court and may be required to pay the injured victim compensation for their damages. Although these types of incidents are a regular occurrence, not everyone is able to recover the compensation they need.
If you or a loved one were injured in a parking lot accident, an experienced Bay Shore parking lot accident lawyer could help you seek recovery. A seasoned car crash attorney could help you overcome the obstacles that stand between you and your relief.
Insurance Coverage Requirements
It is illegal to drive a motor vehicle in the State of New York without having a valid driver’s license, a certificate of title, as well as proof of automobile liability insurance. An attorney could determine to what extent the driver’s insurance policy covers the injuries of the victim.
Minimum Coverage
Drivers are required to have a minimum amount of liability insurance. They must have at least $25,000 in coverage for bodily injury per person in an accident they cause, as well as $10,000 in property damage coverage per accident. At a minimum, drivers must have $50,000 for both total bodily injury coverage per accident, regardless of the amount of those injured, as well as $50,000 for no-fault personal injury protection coverage.
It is also required for drivers to obtain uninsured motorist coverage. Uninsured motorist coverage covers the insured person for bodily injuries that they may sustain from an uninsured motorist. A knowledgeable parking lot accident lawyer in Bay Shore could assist plaintiffs in settling their claims with their insurance companies.
Filing a Lawsuit for Parking Lot Accidents in Bay Shore
Seeking damages in court is often more difficult in New York than in states that follow the traditional fault system. New York is among a handful of states that follow the no-fault insurance system. Under the no-fault system, claimants are required to file an insurance claim under their own insurance policy in order to recover economic losses. These losses might include property damages, as well as medical expenses for bodily injuries.
Non-economic damages are not covered under insurance. Plaintiffs that seek to file a lawsuit to recover noneconomic damages must meet the serious injury threshold. The threshold, codified under New York Insurance Law §5102(d), requires that a victim has experienced one of the following types of harm:
- Bone fracture
- Dismemberment
- Significant disfigurement
- Significant limitation of use of a body function or system
- Permanent loss of use or consequential limitation of a bodily organ or member
- Medically determined impairment resulting in substantial for 90 days within 180 days of the accident
- Loss of a fetus
- Death
Seek Help from a Bay Shore Parking Lot Accident Attorney
Parking lots are notoriously underestimated as a site for accidents. The National Safety Council stated that it is just as dangerous to be distracted in a parking lot driving at five miles per hour as it is to be driving on the road at fifty miles per hour.
The process of filing an insurance claim, negotiating a settlement, and advocating for your rights in court, might seem overwhelming by yourself. Delegating your efforts to an experienced Bay Shore parking lot accident lawyer could take the burden from you so that you can focus on healing. Reach out to learn more about your potential claim for recovery and schedule a consultation today.
