Always prioritize safety: do not exit your vehicle in traffic, move to a safe location and call 911. Take photos of the vehicles, plates, damage, skid marks, traffic signals, and the whole scene. Get names, phone numbers, insurance, and witness contacts. Don't discuss fault — just exchange information.

In New York (including New York City and Long Island), your own no-fault insurance often pays medical bills and lost wages first, but you must give written notice within 30 days or you can jeopardize benefits. If there's injury, death, or over $1,000 damage, you also have a 10-day DMV crash report obligation. It is important to get legal assistance immediately to protect your rights.

Yes — you should immediately notify the police and ensure the incident is documented. Calling law enforcement helps document the crash before stories change. If it's property damage only, police may or may not respond, but you still need to exchange license, registration, and insurance information.

New York requires a DMV crash report for certain crashes, and the MV-104 instructions warn that missing the filing deadline can trigger serious consequences. Our firm will handle this and take the burden off of your shoulders.

Adrenaline masks pain, and some injuries like a concussion or neck/back disc issues show up later. Treatment isn't just about your health — it creates a clear medical timeline.

In New York's no-fault system, many accident-related medical costs and some lost wages can be paid regardless of who caused the crash, but you must give written notice within 30 days. Waiting gives insurers room to argue "it wasn't the crash." Get checked, describe every symptom (even mild dizziness or tingling), and follow through with recommended treatment. Schwartzapfel Holbrook will assist coordinating next steps and navigating this process.

That is not uncommon. Many people go home, sleep, and wake up sore — or worse. The key is to act now: get evaluated, tell the provider it's from a car crash, and be honest about when symptoms began.

Insurance companies love to use "delay in treatment" as a denial tactic, even when the injury is real. Also, New York no-fault has a strict 30-day written notice rule, so don't let paperwork slide while you're trying to cope. If you're unsure what to file or where, Schwartzapfel Holbrook will help you protect your benefits and your case.

Collect what you can without putting yourself in danger: driver names, phone numbers, addresses, license numbers, plate numbers, insurance company policy information, and the make and model of all vehicles. Photograph damage from multiple angles, the roadway, traffic lights and signs, weather conditions, and any visible injuries.

Get witness names and numbers — independent witnesses are crucial when fault is disputed. If police respond, write down the precinct or agency and report number. Our firm will obtain the DMV crash report.

That's common — and it's often a strategy. Don't argue on the roadside. Simply exchange information, document the scene, and let the evidence speak later.

Fault gets decided through objective proof: photos, vehicle damage patterns, witness statements, police documentation, and sometimes digital data. Adjusters are trained to lock you into a version of events early — especially when you're shaken — then use your words against you. Do not speak to the insurance company. Our firm will handle speaking to insurance and gathering the evidence. This allows you to focus on getting treated.

New York follows what is known as "pure comparative fault". That means being partly responsible does not automatically bar your claim. Instead, your recovery can be reduced by your percentage of fault.

Example: if damages are $100,000 and you're found 20% at fault, the claim may be reduced to $80,000. Insurance companies push hard to inflate your share — because every percentage point saves them money. The earlier we preserve evidence and establish your position, the harder it is for them to shift blame onto you.

Fault is determined by reconstructing what happened using evidence — not just what the other driver "says". We look at the police report, photos and video, vehicle damage, road design, skid marks, event data, and witness statements.

We also analyze timing, visibility, and whether someone violated safety rules. Then we anticipate insurance defenses — like claiming you "came out of nowhere" or that your injuries were "pre-existing." In New York, even if you share some blame, you may still recover; the key is proving a fair allocation and documenting your losses correctly.

Fault may be divided among several drivers, and each insurer tries to minimize their piece of the pie. Early evidence matters: the positions of vehicles, the sequence of impacts, and witness accounts of who hit whom first.

These cases also raise practical issues like multiple injury claims competing for limited policy limits. The goal is to identify every responsible party and every available policy — then build a clean, evidence-based timeline before memories fade and vehicles get repaired.

Distracted or impaired driving is both illegal and dangerous. Those factors make for a strong liability case — but insurers still fight. They'll argue causation ("even if he was texting, you could have avoided it") or downplay injuries.

Police investigation is important here, because it may capture observations, tests, and witness statements early. Our firm will secure the proof quickly (phone records, bar receipts when relevant, video, etc.) and keep the focus on what the misconduct caused.

You usually must notify your insurer, but you do not have to give the other driver's adjuster a recorded statement while you're injured and overwhelmed.

Adjusters are trained to ask "friendly" questions that box you into damaging phrases: "I'm okay," "I didn't see them," "It happened so fast." Those lines show up later as "admissions." Keep it simple: confirm basic contact info and that you're getting medical care. Then pause until you have counsel. Schwartzapfel Holbrook will take over communications so you don't get pressured into a statement that costs you later.

No. Rushed offers are a tactic used by insurers to avoid paying full and fair compensation. Once you sign a settlement release, you will not have any chance to proceed with a case — even if symptoms worsen or surgery becomes necessary. Always speak with an attorney before agreeing to any settlement.

A denial is not the end — it's often a tactic used by insurance companies to avoid responsibility. Denials commonly claim "late notice," "not medically necessary," or "not related." Our firm will review the denial letter, identify the real reason, and choose the fastest path to push back.

In New York, your medical care often starts with no-fault coverage regardless of fault, but uninsured drivers create problems for bodily injury and property damage claims.

You have uninsured motorist protection with your own insurance policy and in some situations you may qualify through MVAIC (the Motor Vehicle Accident Indemnification Corporation). MVAIC has strict timing rules — for example, it generally requires the crash be reported to police within 24 hours in certain scenarios, and a Notice of Intention may be due within 90 or 180 days depending on the situation. Contact us to get help quickly so deadlines aren't missed.

"Underinsured" usually means their policy limits aren't enough to cover what your injuries truly cost. That's when your own SUM or underinsured motorist coverage can matter.

These claims have traps: insurers may demand prompt notice and may require you to get consent before accepting the other driver's limits. They also scrutinize "serious injury" proof if you're pursuing pain and suffering. The defense playbook is delay, paperwork overload, and trying to force a cheap settlement. If you're facing an underinsured situation, Schwartzapfel Holbrook will identify all available coverage and protect you from signing away benefits by accident.

It feels personal, but it's business: your insurer's "duty" is to protect its own bottom line. In New York no-fault, if benefits are denied or paid late, you can pursue options like a complaint, arbitration, or court.

Insurers often stall by requesting repeated "verification," scheduling exams, or disputing medical necessity. The key is building a clean paper trail and enforcing deadlines. If your own carrier is stonewalling, get the denial in writing and don't miss appeal or arbitration windows. Our firm can step in and push the process forward.

There's no honest one-size number. Each case is different. Value depends on the damages including extent of the injury, pain and suffering, medical expenses, loss of income and more.

Insurers recycle the same excuses often trying to attack gaps in care and pre-existing issues, even when the crash clearly aggravated a condition. The right approach is to document symptoms early, get necessary treatment consistently, and establish medical proof that tells the story clearly.

That's common. Inflammation and concussion symptoms can take time. The problem is how insurers respond: they argue, "If it were real, you'd have gone the same day."

Don't let that stop you — get evaluated as soon as symptoms appear and tell your doctor how they occurred. In New York, no-fault benefits have a strict written notice rule (generally within 30 days), so delays can create both medical and insurance headaches. Keep a simple symptom journal and save all appointment and medication records. If you're unsure what to file, Schwartzapfel Holbrook can help.

Take it seriously — TBIs can be subtle but life-changing. Watch for headaches, dizziness, nausea, sleep changes, sensitivity to light and noise, memory issues, and mood swings.

Get evaluated promptly, and follow through with neurology, vestibular therapy, or cognitive testing if recommended. Insurers often minimize concussions as "subjective," so good documentation matters.

A permanent injury changes everything: work capacity, independence, and the cost of daily life. The case must be built like a blueprint — specialist opinions, objective testing, and sometimes a life-care plan that projects future medical needs.

New York's no-fault system addresses "basic economic loss," but permanent limitations often go beyond that and may support a serious-injury claim for non-economic damages. Insurers will still push surveillance, "independent" medical exams, and arguments that you can do more than you say. Our job is to prove the truth with credible, consistent medical evidence.

Emotional trauma is real — and like physical harm requires treatment. Nightmares, panic while driving, hypervigilance, irritability, and avoidance are common after violent crashes.

Insurers may try to label PTSD as "unrelated stress" unless it's documented by a qualified provider. Get help early, follow treatment, and be honest about how it's affecting your day-to-day life. Our firm will help protect the claim while you focus on healing.

Each case is different. Case value depends on: (1) the injuries and medical proof, (2) time missed from work and future limitations, (3) who is at fault and by how much, and (4) available insurance coverage.

Schwartzapfel Holbrook consistently maximizes the result to ensure full and fair compensation.

The important factors are severity and proof: objective findings, length of treatment, permanency, and credible doctor opinions. Next is economics: lost wages, reduced earning capacity, and future medical needs.

Liability matters too — clear fault and strong evidence push value up; disputed fault invites delay and discounting. Insurance policy limits matter — sometimes the fight is identifying additional coverage (SUM, commercial policies, multiple vehicles) rather than arguing about the injury itself.

In New York, many crash cases begin with no-fault benefits for "basic economic loss," which can include medical expenses, a portion of lost earnings, and certain other necessary costs — up to the statutory requirements.

For pain and suffering (non-economic loss), you generally must prove a "serious injury." Beyond that, you may pursue property damage, out-of-pocket costs, and — when supported — future losses. Insurers often pretend the only "real" damages are today's bills. A thorough claim documents the full arc: treatment, missed work, future care, and daily-life impact, all backed by records.

Yes. Your damages are for past harm and future losses as well. For more significant future care — surgeries, injections, therapy, assistive devices — your doctors' opinions, imaging, and a clear treatment plan are critical.

Insurance companies fight future care by calling it "speculation." The way to beat that is to tie future needs to objective findings and consistent treatment history, then present it clearly.

Each case is different. Our firm excels at moving our cases quickly while also ensuring full and fair compensation.

Settling too early is risky because you may not know the full diagnosis or long-term outlook. Straightforward cases sometimes resolve in months; serious injury cases can take longer, especially if surgery is involved or fault is disputed. Insurers also delay on purpose — requesting repeated records, arguing "serious injury," and waiting you out financially. A trial-ready approach — built early — often shortens the timeline because the carrier knows we're prepared to push the case forward.

Schwartzapfel Holbrook prepares each case as though it is going to trial and the insurance carriers know this. Many cases settle, but you should prepare as if it could go to court — because that's what creates leverage.

Insurance companies pay attention when they know the lawyer is willing and able to try a case. If your injuries meet New York's serious-injury threshold and the insurer won't act reasonably, filing suit may be necessary to obtain records, take depositions, and force accountability. At Schwartzapfel Holbrook, we build each case from day one like it's headed to trial.

Schwartzapfel Holbrook has decades of experience in handling truck wreck cases. Truck cases are different: more rules, more defendants, and often more insurance.

We look beyond the driver to the company, maintenance contractors, brokers, and sometimes shippers. Evidence can disappear fast — driver logs, onboard data, inspection records, and camera footage — so early preservation is critical. The trucking insurer will move quickly; you should too. Schwartzapfel Holbrook can send preservation demands, secure records, and level the playing field before the story gets "managed" by the insurer.

Rideshare coverage depends on the driver's status in the app — and in New York, the rules differ for trips originating in NYC versus outside NYC (including Long Island).

When a driver is merely logged on (Period 1), required coverage is at least 75/150/25 plus UM and no-fault; when a ride is accepted and in progress (Period 2), required coverage is $1,250,000 plus $1,250,000 SUM and no-fault. The fight is often proving which "period" applied at the exact moment of impact. Our firm will move to secure the app status and insurance layers fast.

Government cases are deadline traps. If it's a city/town/county or other public corporation, New York typically requires a Notice of Claim within 90 days, and the lawsuit against many municipalities must be started within one year and ninety days.

If the defendant is the State of New York, Court of Claims rules can require a claim (or a notice of intention) within 90 days, with the claim due within two years in many negligence cases. Miss these deadlines and the case can be dismissed no matter how strong it is. If a government vehicle is involved, call Schwartzapfel Holbrook immediately.

Pedestrians and bicyclists often have serious injuries — and the insurance fight starts fast. In New York (including Nassau and Suffolk County), no-fault benefits may still apply, but the paperwork and carrier identification (which vehicle's insurer is responsible) must be handled correctly.

Insurers may try to blame the pedestrian or cyclist or argue you "came out of nowhere," so scene evidence and witness contacts are critical.

In most New York car accident injury cases, the statute of limitations is three years from the date of the crash. If the case involves a municipality you must give them notice of the claim within 90 days and have only one year and 90 days to file a lawsuit.

That sounds like a lot of time — until you realize evidence disappears, witnesses move, and insurers harden their positions. Separate from lawsuits, no-fault has its own strict timing: New York requires written notice to the no-fault insurer generally within 30 days. The safest move is to contact an attorney immediately, even if you're not sure yet whether a lawsuit will be needed.

Yes. For many municipal entities in New York, you generally must serve a Notice of Claim within 90 days. Then, for many claims against cities, towns, counties and similar entities, the action must be commenced within one year and ninety days.

If the defendant is the State of New York, Court of Claims deadlines can require filing/serving a claim (or a notice of intention) within 90 days, with the claim due within two years for many negligence cases. These deadlines are strictly enforced and missing them can kill the case regardless of merit.

Two things happen: deadlines and defenses. Miss the three-year filing deadline and the court can throw the case out. Miss no-fault's 30-day written notice requirement and your benefits can be denied. Wait beyond the DMV crash report deadline, and you can face penalties and even suspension consequences.

Meanwhile, insurers build "reasonable doubt" arguments: they claim your injuries came from something else, the vehicles are repaired, footage is gone, and witnesses can't be found. If you're overwhelmed, that's exactly when you need a steady hand — Schwartzapfel Holbrook can protect the claim while you focus on recovery.

We are well established and award winning trial lawyers that consistently return record breaking results for our clients. Your case is our cause, and clients are treated like family, not file numbers.

Schwartzapfel Holbrook is here to make a difficult situation easier. We handle the urgent pieces early: preserving evidence, dealing with adjusters, guiding no-fault paperwork, and making sure your medical story is documented the right way. New York cases also have unique pressure points — no-fault deadlines, the "serious injury" threshold, and comparative fault arguments — so the strategy must be built for New York from day one. Our approach is trial-focused but always client-centered: clear communication, no false promises, and real preparation.

There is no fee unless we are successful. We work on a contingency fee — meaning you don't pay attorney's fees up front. The fee is a percentage of the recovery, and if there's no recovery, you don't owe a fee for our time.

This structure lets you level the playing field against an insurance company without adding financial stress when you're already dealing with medical bills and missed work. If you're unsure whether you even have a case, start with a conversation with us at Schwartzapfel Holbrook.