In a traffic accident, time isn’t just money — it’s evidence. What you do, or fail to do, in the first 24 hours can determine whether you secure fair compensation or watch your case weaken before it begins. At Helen Dalton & Associates, we’ve seen panic-driven decisions cost clients thousands of dollars in settlements.
Here is the roadmap every Queens driver should know.
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Prioritize your health, even if you feel “fine”
Injuries like whiplash, mild concussions, or internal bleeding don’t always show symptoms immediately. Visit the ER or your doctor the same day. Without a dated medical record, insurers will dispute the link between the accident and your injuries.
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Document the scene with precision
Photograph vehicles, license plates, damage, signage, road conditions, and your own injuries. Get witness contact information — not just the other driver’s — and keep the police report number. In New York, the MV-104 report is mandatory when damages exceed $1,000.
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Do not speak with the other driver’s insurance company
Their adjusters are trained to minimize payouts. A phrase as harmless as “I’m okay” can be used against you. Limit yourself to notifying your own insurer and forward any further communication to your attorney.
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Know the deadline: 30 days for No-Fault
New York is a no-fault state. You have only 30 days from the accident to file the NF-2 form and access your policy’s medical coverage. Missing this deadline can void thousands of dollars in benefits.
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Consult a specialized attorney — not later, but now
A personal injury attorney evaluates evidence while it’s fresh, preserves digital proof, and negotiates with insurers from a position of strength. The initial consultation at Helen Dalton & Associates is free and confidential.
Your case begins the day of the accident — not the day you call a lawyer.
