Start with your health and safety
Get the medical attention you need and accurately explain how the accident happened. Keep discharge instructions, provider details, and follow-up appointments.
Organize accident information
Keep photographs, vehicle information, witness names, and the police report number, if available. Write down what you remember without filling in details you do not know.
Identify insurer correspondence
Keep envelopes, forms, claim numbers, and information requests. No-fault coverage and a personal injury claim are separate matters; the policy, facts, and applicable law matter. Ask promptly about deadlines specific to your case.
Prepare for your first conversation
Gather what you have and explain your treatment, missed work, and questions. You do not need a perfect file to seek guidance.
Official resource: New York Department of Financial Services · No-Fault FAQs
General information, not a substitute for an assessment of your case. Rules and deadlines vary by facts and jurisdiction.
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