Jump to Content

Insurance Company Questions

Insurance Company QuestionsWho pays if I am injured or my car is damaged?
The responsible party’s insurance company. If you caused an accident, your liability insurance will pay the other driver for damage to his vehicle and personal injuries up to your policy’s limits. If you are not at fault, the other driver’s liability insurance pays for your car damage and/or personal injuries. If you loan your car to someone who has an accident, your insurance pays for the damages – just as it would if you had been driving.

What do I do if the other driver does not have insurance?
If the other driver caused the accident and is not insured, your own policy will pay for your personal injuries if you have “uninsured motorist” or “medical payments” coverage. If the other driver’s insurance is not enough to pay for all of your damages, your own insurance may pay the difference if you have “underinsured motorist” coverage. If you have collision insurance, it will pay for damage to your car, no matter who is at fault.

If I am injured, who will pay for my medical bills?
In New York State, we have no-fault insurance, which means when a driver or passenger is injured, the vehicle owner’s insurance company pays for their medical bills and lost wages. For more information visit our No-Fault Information Page.

What if I’m sued?
Contact your insurance agent as soon as possible. Usually, your insurance company will assign an attorney to handle your case. But, if you are sued for more money than your policy covers, you may need your own attorney, too.

What if I want to sue?
If the other driver was responsible for the accident and you were injured, you may be entitled to compensation for your injuries, pain, and suffering, car damage and other expenses, such as lost wages or household help after the accident. Our attorney will make a claim with the other driver’s insurance company immediately. If the insurance company’s offer is unreasonable to settle your claim, you may want to file a lawsuit. Please be aware there are time limits for filing various types of claims. These are called statutes of limitation.

How much will it cost me?
Cellino & Barnes takes auto accident cases on a contingent fee basis. That means you do not pay us any fee if you lose the case. If you win, you pay us a percentage of the money you receive. If you and your lawyer agree to a contingent fee, the lawyer must put the agreement in writing and give you a signed copy. The contract should explain what percentage the lawyer will get if you win and how it might vary. It should also state who will pay for any upfront costs, such as court costs. In most cases, Cellino & Barnes will advance case costs, but according to New York State Law, the client is ultimately responsible for litigation expenses.

If you have questions concerning your state’s auto insurance laws, visit here for information.

If you or a loved one has been injured in an auto accident, call us now at (800) 888-8888 or contact us.

Client Thanks

I would like to thank your firm for representing our family on behalf of my late husband. This whole process was, at times, difficult for us and sometimes painful. But, we were always in good hands as Brian and Maria are two of the hardest working and sincerest people I have ever had the pleasure of meeting. They did a tremendous job.

Read more →

Recent Tweets

    Social Accounts


    Office Locations

    350 Main Street
    2500 Main Place Twr

    Buffalo, NY 14202

    (716) 888-8888
    (800) 888-8888
    Map & Directions

    Grider Street Office
    451 Grider Street

    Buffalo, NY 14215

    (716) 888-8888
    (800) 888-8888
    Map & Directions

    Garden City
    600 Old County Rd
    Suite 412

    Garden City, NY 11530

    (800) 888-8888
    Map & Directions

    420 Lexington Ave
    21st Floor

    New York, NY 10170

    (800) 888-8888
    Maps & Directions

    532 Broad Hollow Road
    Melville, NY 11747

    (800) 888-8888
    Map & Directions

    16 W. Main Street
    Powers Building, Suite 600

    Rochester, NY 14614

    (585) 888-8888
    (800) 888-8888
    Map & Directions


    Free Case Evaluation

    Fields marked with a * are required
    ↑ Top