DESIGNER MOCKUP · amparolawfirm.com homepage · brand tokens locked · placeholder photography
DESIGNER MOCKUP · amparolawfirm.com homepage · brand tokens locked · placeholder photography
Accidents involving commercial trucks, delivery vehicles, and tractor-trailers cause some of the most severe injuries on New York roads. Federal and state regulations govern driver hours, vehicle maintenance, and load limits — and when a trucking company or driver violates those rules, liability extends beyond the driver to the carrier, the employer, and anyone else in the chain of control.
01 — No-Fault
Every New York auto insurance policy includes Personal Injury Protection (PIP) — what people call “no-fault.” It’s mandatory, it’s $50,000 per person at minimum, and it pays for medical bills and a portion of lost wages regardless of who caused the accident.
You must file the no-fault application within 30 days of the accident. Miss it and PIP coverage is lost — even if it would have paid your hospital bill. We see this happen often.
PIP covers:
PIP does not cover:
02 — Severe Injury Threshold
Under NY Insurance Law §5102(d), you can only sue the at-fault driver for pain and suffering if your injury crosses the “severe injury threshold.” Nine categories:
Categories 6–9 are litigated constantly. Soft-tissue injuries, herniated discs, rotator-cuff tears — threshold determination often depends on the quality of the medical record and expert testimony. This is where representation matters most.
03 — Cases We Take
By Vehicle
Special Situations
MVAIC coverage
30-day deadline
UM/UIM under your own policy
Often elevated damages
Vision Zero violations matter
First-72 evidence preservation
04 — Coverage Layers
The “obvious” coverage is the at-fault driver’s bodily-injury (BI) policy — often the smallest pool of money in the case. We pursue every layer:
05 — How We Work
In person at 1 WTC, by phone, by video, or at your hospital bed. Same day for new matters.
Percentage of recovery. No upfront costs. Disclosed in writing.
Bob personally represents Amparo’s clients. No paralegal hand-offs.
In person at 1 WTC, by phone, by video, or at your hospital bed. SaEnglish · Español · فارسی — directly by the principals.me day for new matters.
06 — FAQ
Not always. Late notice CAN sometimes be excused with a showing of reasonable excuse and no prejudice to the insurer — but the path is narrow. Talk to a lawyer before assuming PIP is gone.
Uber and Lyft each carry $1 million in liability coverage while a driver is on a trip. As a passenger, that policy is your primary coverage. The first adjuster you talk to may try to direct you to the driver’s personal policy (which may carry NY minimums of $25k). The right policy is the $1M.
Two paths: (1) your own SUM/UIM coverage if you have it, and (2) MVAIC — the NY Motor Vehicle Accident Indemnification Corporation, which covers hit-and-run and uninsured-driver cases. MVAIC has its own Notice of Intention deadline; do not miss it.
Three years from the date of the accident for personal injury under CPLR §214. If a public entity is involved (MTA bus, city vehicle), a 90-day Notice of Claim is also required under GML §50-e.
07 — Neighborhoods
Crashes happen in front of a specific corner, on a specific block, at a specific time of day. Local detail matters — vehicle codes vary, NYPD precincts vary, MTA bus routes vary, traffic-calming devices vary. We’ve built detailed pages for the neighborhoods where most of our auto cases originate.
By Vehicle
Queens
Free, confidential consultation. English · Español · فارسی. No fee unless we recover.
