Our community has been struck by yet another heartbreaking tragedy. On Thursday afternoon, a two-vehicle collision on Route 25A in Wading River resulted in the death of one driver and injuries to another. At approximately 2:40 p.m., a 2015 Chevrolet traveling eastbound on Middle Country Road collided with a 2010 Toyota traveling westbound. Emergency crews from the Wading River Fire Department responded swiftly, working to extract both drivers from their vehicles. Both were transported to the hospital. Sadly, the driver of the Chevrolet succumbed to her injuries. This devastating incident is a painful reminder of the dangers present on our roadways every day. A recent investigation revealed that over the past decade, more than 2,100 people have died as a result of motor vehicle collisions on Long Island. More than 16,000 individuals sustained serious injuries during that same period. Common causes of these tragic crashes include speeding, running red lights, distracted driving, impaired driving, vehicle defects, and poorly maintained roadways. Why Car Accident Victims Need an Experienced Lawyer After a serious accident, victims and their families are often left overwhelmed — dealing with physical injuries, emotional trauma, and financial burdens. Insurance companies may attempt to minimize claims, delay payouts, or even deny rightful compensation. This is why working with an experienced car accident lawyer is so important. A skilled car accident attorney can help by: Investigating the crash and gathering critical evidence Communicating with insurance companies on your behalf Calculating the full extent of your damages, including medical bills, lost wages, and pain and suffering Negotiating a fair settlement or taking your case to trial if necessary Helping you navigate complex legal procedures so you can focus on healing Having knowledgeable legal support can make a major difference in the outcome of your case. How Miller, Montiel & Strano, P.C. Can Help At Miller, Montiel & Strano, P.C., we have decades of experience representing car accident victims throughout Long Island and the surrounding areas. We are committed to fighting for the maximum compensation our clients deserve and holding negligent parties accountable. If you or a loved one has been injured in a motor vehicle accident, you don't have to face the aftermath alone. Let our experienced team stand by your side, guide you through the process, and work tirelessly to protect your future. Contact Miller, Montiel & Strano, P.C. today for a free consultation and learn how we can help you seek justice.
What Should Victims Know About No-Fault Benefits in Car Accidents?
New York requires that every auto policy include Personal Injury Protection (PIP). After a motor vehicle accident, your own insurer pays you for certain economic losses regardless of who was at fault. Keep reading as a New York metro area accident attorney breaks down what it all means practically. From a New York Metro Area Accident Attorney: What to Know About No-Fault Benefits Basic PIP coverage in New York is $50,000 per person. That covers medical care of all types, and healthcare providers must accept the state's no-fault fee schedules as payment in full. Your coverage pays 80% of your lost earnings during this time, with a limit of $2,000 a month. Those payments are reduced if you're getting any New York disability, workers' compensation, or Social Security disability benefits. You can also make claims for up to $25 a day for a year for related necessary expenses, like transportation to get medical treatment. Who Is Covered? The coverage for your PIP will include you as the named insured, any relatives living in your home, anyone you gave permission to drive the car, and any passengers in the car. The coverage also applies to any pedestrians that were injured by the vehicle. Motorcyclists and their passengers are excluded from the system, however, and can bring a personal injury claim in any accident situation where someone else was at fault. When Might Coverage Be Denied? This will depend on the specifics of the policy, but generally benefits are only denied if: The driver was drunk or drug-impaired, and that condition contributed to the accident The injury was intentionally caused The driver was committing a felony at the time of the accident The vehicle was stolen How Quickly Do Benefits Pay Out? The insurer must send the Application for Benefits (NF-2) within five business days of receiving notice of your application, and, after that, the faster you return it, the faster you can expect benefits to kick in. Medical bills are usually paid within 45 days of service and lost wages within 90 days of the time you submit proof of your losses. What Happens When It's Used Up? If your injuries cause you greater loss than the PIP coverage, your medical bills would normally go to your health insurer at that point. If the injury is bad enough, the law allows you to step outside the no-fault system and pursue a personal injury claim. When a Personal Injury Claim Is Possible If you have an injury that qualifies as "serious," you (or the family in the event of death) can bring a lawsuit. The law defines "serious" as an injury that causes: Death Dismemberment Significant disfigurement Bone fracture Loss of an unborn child Permanent loss of the use of an organ or limb, bodily function, or bodily system Permanent consequential limitation of an organ or limb, or significant limitation of a bodily function or system. If you've been injured, and especially if your injuries are serious, you may be able to step outside the no-fault system. Contact us now at Miller, Montiel & Strano in Garden City, NY for help throughout the New York metro area.
