Other Driver Did Not Tell Insurer About Accident

Filing a Third-Party Claim

Your no-fault insurance will not pay for the damages to your vehicle. You may be able to file a third-party claim with the at-fault driver’s insurance company. This claim, if successful, would only pay for the damages to your vehicle that the insured is responsible for.

To receive compensation from a third-party claim, you may have to provide evidence to show that the other driver was at fault for the accident, such as:

Traffic citations
Witness accounts
Photographs

Video
Medical records

The insurance company will investigate and determine whether its insured was responsible for the accident and if you shared any of the responsibility before offering any compensation for the accident.

If you have collision insurance, which is optional, you can file a claim with your own insurance to cover the property damage to your vehicle.

Coverage for Medical Expenses

Your medical expenses are covered by your no-fault insurance, otherwise known as Personal Injury Protection or PIP coverage. These expenses are paid by your own insurance company, regardless of who was at-fault for the accident.

Your PIP coverage may pay for your:

Deductibles for your health insurance
Medical expenses that exceed the limits of your health insurance policy

Necessary services that you can no longer complete due to your disability
Funeral expenses if the accident caused death

There are certain situations, such as if you suffered significant injuries or your medical expenses exceed certain limits, when you may be able to file a third-party claim for the medical expenses stemming from your accident.

Information to Provide to Your Insurance Company

You will need to provide information to your insurance company to process your claim. This information may include:

Proof of loss – You may need to describe the accident in detail, including the date of the loss, how the accident occurred, the name of the person driving and any other relevant information.

Documents that evidence your damages – Your insurance company may also ask for documents related to your claim and your damages, such as repair shop bills, estimates to repair the damage to your vehicle, a copy of the accident report, the bill of sale for your vehicle or medical bills.

In some situations, your insurance company may require you submit to an examination under oath and require you to produce documents. You have the right to be represented by an attorney at this examination.

Excellent service each time I’ve used this very professional staff Alexis and Mike are the best ever I’d highly recommend lynch firm and associates

James Austin

My experience was longer than anticipated at no fault of the firms, but overall calm, the staff was responsive and my attorney Mike Buonocour was informative and direct which i was very appreciative.. also would like to mention that the paralegal Thomas Bane was very responsive attentive to my concerns,
The end result was pleasant and painless (emotionally speaking)

David James

I was involved in a motor vehicle accident which caused me significant pain in my back. I reached out to Lynch Law Firm, PC and met with Brian Held and Michael Buonocore. I have to say, the entire staff at Lynch Law Firm, PC were extremely courteous, knowledgeable and resourceful. They handled my case quickly and with care. Would highly recommend Lynch Law Firm, PC!

Janet Nuss

Our time with this firm was a pleasant experience. They handled our case very well and even though the pandemic was a tough time for everyone, they were very attentive and helpful to my wife and I. Thanks to Arthur Lynch, Disnaida Ramírez, and Julia Marut, we are extremely happy with our result. A special thanks to Julia who was on top of everything during this time. I highly recommend working with this team.

Camilo Sanchez

Mike Rosenberg is compassionate and handled everything professionally with extreme attention to detail . If you want someone who’s dedicated to helping you and your family out you’ve found the right place. Can’t thank Mike enough!

Reid Orlando