Insurance Claim For Accidents

Summary

In New York, if injured while driving someone elses vehicle, you generally file a claim under the vehicle owners insurance, which usually covers authorized drivers. Inform both the vehicle owners and your own insurance companies about the accident. Personal injury protection (PIP) covers medical expenses regardless of fault. If not an authorized driver, the owners insurance may deny coverage, so report the accident to your own insurance. Consider consulting a legal expert for further guidance.

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In New York State, the following rules generally apply:
- The vehicle owner's insurance typically covers the vehicle and authorized drivers.
- You should inform both the vehicle owner's insurance company and your own insurance company about the accident.
- Personal injury protection (PIP) coverage will cover medical expenses regardless of fault.
Have you already reported the accident to the insurance companies?
What if I'm not authorized under their insurance
- In New York, if you are not an authorized driver under the vehicle owner's insurance, the insurance company may deny coverage for the accident.
- You should still report the accident to your own insurance company.
- Consider consulting with a legal expert for further assistance.
Do you need help finding a local attorney?