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Limousines and town cars are a nice way of get around. Being transported in a luxury vehicle by someone else should be convenient and low stress. If you are injured a limousine accident, however, things might get stressful very fast. These types of personal injury claim present unique and complex legal questions regarding liability and insurance coverage. New York Attorney Michael LoGiudice has vast experience handling limousine and town car injury cases and he will use his thorough understanding of this area of the law to help you get the monetary compensation you deserve for your injuries.
Who Will Pay for My Limousine Accident Injuries?
If you were riding in a limousine that was involved in an accident and you sustained injuries as a result, you are probably wondering who will be covering costs like your medical treatment. First, you can be comforted knowing that, as a No-Fault Law State, New York requires that all motor vehicle owners are required to maintain no-fault insurance benefits that will cover your medical expenses, lost wages, and other reasonable expenses relating to the accident. These benefits will pay out regardless of who was at fault for the accident.
No-fault benefits are separate and have nothing to do with your ability to bring suit against an at-fault party for your injuries in order to recover monetary damages for your pain and suffering and permanent injuries. This legal remedy is available to those who have been “seriously injured” in an accident. You may be able to recover these damages from the limousine company or their insurance carrier. The limousine company owes all of its passengers a duty of care. A violation of this duty of care means that they are on the hook for damages you have sustained as a result. The duty of care obligates the limousine company to:
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Make sure their drivers are properly trained and not overworked;
Verify that their drivers are licensed and have proper insurance coverage;
Inspect their vehicles on a regular basis to make sure they are properly maintained; and
Get the minimum required liability insurance coverage for all company vehicles.
The State of New York requires all vehicles to carry a minimum of $25,000/$50,000 in liability insurance coverage. More specifically, in New York City, the New York City Taxi and Limousine Commission requires limousines to carry a minimum of $100,000/$300,000 in liability insurance coverage.
If you were driving a limousine and were injured in an accident, you will have workers’ compensation available to you. In fact, the New York City Taxi and Limousine Commission requires that all limousine companies must join and officially register with the State as a member of the New York Black Car Operators’ Compensation Find, Inc. This ensures that all New York City limousine drivers get proper coverage under workers’ compensation.
Representing Victims of Limousine Accidents.
Being injured in any type of accident is overwhelming. If you have been injured while riding in a limousine, know that New York personal injury attorney Michael LoGiudice is here to stand by your side throughout the legal claim process. Contact Michael LoGiudice, LLP today.