Even so-called “fender benders” can lead to hidden injuries, insurance complications, and costly mistakes if you don’t know your rights.
If you’ve recently been involved in what seems like a minor car accident in the Bronx, you might be wondering whether hiring an attorney is necessary. While some minor fender benders can be resolved without legal representation, many seemingly “minor” accidents in New York City can quickly become complicated legal matters.
Understanding “Minor” Car Accidents
Even a “minor” collision can have significant implications. New York’s no-fault insurance laws, complex traffic patterns, and the high volume of vehicles mean that what appears straightforward can quickly become complex.
A “minor” accident typically involves:
- Low-speed impact
- Minimal visible vehicle damage
- No immediate injuries reported at the scene
- No emergency medical services required
However, the actual impact of an accident isn’t always immediately apparent.
When You Should Consider Hiring a Bronx Car Accident Attorney
At Apicella & Schlesinger, we’ve helped hundreds of Bronx residents navigate the aftermath of car accidents—minor and major alike. Let’s break down when you might need a lawyer and how having one on your side can make all the difference.
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1. When Injuries Develop After the Accident
Many accident victims feel fine immediately after a collision, only to develop symptoms days or even weeks later. Whiplash, soft tissue injuries, and even traumatic brain injuries can have delayed symptoms. If you begin experiencing:
- Neck or back pain
- Headaches
- Dizziness
- Numbness or tingling
- Memory problems
You may have sustained injuries that weren’t apparent at the scene, which could significantly impact your claim.
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2. When Dealing with New York’s No-Fault Insurance System
New York’s no-fault insurance system requires that your own insurance company pay for medical expenses and lost wages regardless of who caused the accident. However, this system has strict deadlines and requirements:
- You must file a no-fault application within 30 days
- There are limits to coverage that may be quickly exhausted
- You need to meet the “serious injury” threshold to pursue compensation beyond no-fault benefits
An experienced Bronx attorney can help ensure you don’t miss critical deadlines and receive the full benefits you’re entitled to under the law.
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3. When Liability Is Disputed
Even in seemingly straightforward cases, determining fault can become contentious. The other driver’s recollection may change, or their insurance company might attempt to shift blame to you. This is particularly common in Bronx intersections involving multiple vehicles or complicated traffic patterns.
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4. When Insurance Companies Offer Quick Settlements
If the other driver’s insurance company contacts you with a settlement offer soon after the accident, proceed with caution. Early settlement offers are typically much lower than what your claim may actually be worth, especially if you haven’t yet completed medical treatment.
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5. When Your Damages Exceed Insurance Limits
New York requires minimum liability coverage of:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage
If your damages exceed these amounts (which can happen even in relatively minor accidents), you’ll need legal assistance to pursue full compensation.
Common Questions We Hear
- “What if I already spoke to the insurance company?”
- That’s okay. It’s not too late. But don’t sign anything or accept a settlement without legal advice.
- “Isn’t it expensive to hire a lawyer?”
- Not with us. We work on a contingency fee basis, which means you don’t pay us unless we win your case.
- “What if I was partly at fault?”
- New York follows comparative negligence laws, so you may still recover compensation even if you were partially responsible. Let us review your case.
Contact Apicella & Schlesinger Attorneys at Law
A seemingly minor car accident can significantly affect your health, finances, and daily life. At Apicella & Schlesinger, we offer free consultations to help you understand your options.
Our experienced Bronx attorneys will evaluate your case, explain your rights, and help you make informed decisions about how to proceed. We’re committed to securing the maximum compensation you deserve while providing personalized attention throughout the process.