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Auto Insurance Claims/nys no fault injury

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Expert: - 8/22/2009


Question
i was struck on my drivers side door other car ran a red light my drivers door was pushed in from the impact when i attemted to exit vehicle my foot got jammed in the door didnt notice till next day cause i am diabetic and didnt feel injury at first but went to hospital next day given xrays anti biotics followed up with doctor  where he agrresivly treated foot with anti biotics for eight weeks but infection set in bone and had to amputate part of foot. am i covered for this injury cause it was the result of being struck.  thank you

Answer
This is not an easy question, because the connection is not clear cut.  You should make a claim, and let the insurer decide.  If they deny the claim and you disagree, you can sue them.

I have not worked with NY No fault law, and am not an expert in that area.  You probably should consult with a lawyer.  Most will not charge you for the initial consultation and can give good advice.

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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