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New York is a ?no-fault? insurance state, which means that insureds are generally reimbursed by their insurance company for damages regardless of who was responsible for causing the accident.
New York law requires that you report within ten days any accident that you are involved in that results in: $1,000 or more in property damage. Injury. Death.
You Must Have a Serious Injury As Defined By Law This will allow the injured party to sue the liable party based on negligence or demand compensation based on their auto liability insurance policy. Per New York Insurance Law § 5102, a serious injury is one that results in: Death. Dismemberment.
Call 911 to report a vehicle accident that just occurred if: Any person is injured or killed. A domestic animal is injured or killed. A parked vehicle, or any other property is damaged, and the owner cannot be located. A vehicle needs to be towed.
In New York, motorists are legally required to call law enforcement to the scene of an accident in the following circumstances: Someone was injured or killed in the accident ? If anyone involved in the accident was injured or died, you must call law enforcement and remain on the scene until they arrive.
Yes, you can file an insurance claim without a police report. However, having one can speed up the process and help you prove the validity of the account of the accident. Filing a police report is beneficial to ensure you're protected should a situation arise.
Call Law Enforcement The first step after the accident is to call police officers to the accident scene. The police can make sure that you and others are safe, call an ambulance if needed, and write up an accident report. Law enforcement officers respond to car accidents every day. They are prepared to help.