ROCHESTER, N.Y. – Each year, the National Highway Traffic Safety Administration (NHTSA) records more than 10 million car accidents: ranging from deadly interstate pileups to minor parking lot fender benders. According to a recent NHTSA study, Americans paid over $870 billion each year in damages, medical bills, legal fees and other expenses.
“Even minor crashes can be costly in cities like Rochester,” car accident attorney Ross Cellino said. “On top of the repair costs, it can sometimes raise your insurance premiums or aggravate a previous injury.”
Repairing a vehicle can cost drivers hundreds or thousands of dollars, even with comprehensive insurance coverage. Although another driver may be at fault in your accident, you may still be required to pay a pricey deductible.
Rochester car accident attorneys suggest having an emergency savings fund to cover these expenses if they are not covered by insurance.
On average, drivers will pay 40% more for insurance after just one claim. Some insurance providers won’t raise your premiums after a minor accident but others will, even if the accident is not your fault.
If your insurance bill does go up after a minor crash, it might be time to start shopping for a new insurance company. The insurance industry is very competitive and another provider may offer a better deal.
If you are hurt in a crash, the Rochester car accident attorneys at Cellino & Barnes say it is extremely important to keep accurate records.
A trip to the emergency room can be intimidating and expensive but with detailed records of hospital visits and follow-ups with your doctor, insurance companies should cover most or all of the costs associated with your crash.
“When a client has every record, it can make the disbursement process much smoother and more efficient,” Cellino said.
If you are injured in accident, it may also be worth your time to call a personal injury attorney. At Cellino & Barnes, the consultation is free and you could receive additional payments depending on your injuries.