Car accidents of all kinds and severities are invariably disruptive of normal life. Fortunately, the vast majority of those who are involved in accidents in New York State every year suffer either minimal injuries or none at all, an impressive fact given the violence of many collisions.

What that means in most cases is that the state's so-called "no fault" insurance laws prevail over all other considerations. Under these laws, minor injuries and accidental damage are taken care of through the insurance coverage each driver carries. A driver who is sent to the hospital for a quick checkup after an accident, for example, will seek compensation for the associated expenses from their own insurance company.

That style of resolving things does have its advantages. It tends to simplify the average case, where relatively small sums of money are involved. Instead of needing to engage in generally adversarial negotiations and even lawsuits with the insurance company of the other party involved in an accident, a driver can simply turn for help to the company that they already pay premiums to and work with otherwise, in general.

On the other hand, when the damages involved rise to certain levels, this option is no longer available. Particularly when injuries that will have lifelong impacts are sustained, the "no fault" laws give way to the usual civil codes and assignments of responsibility.

Most drivers will, fortunately, never need to deal with this eventuality. For those who do, however, it is important to get in touch with the best injury lawyers available as soon as possible. Because injuries of a certain seriousness entail working within the usual common-law adversarial legal system, having skilled representation from the start is always the best way of succeeding.

Even so, the will invariably seek to arrive at satisfactory settlements for their clients. Firms like Gersowitz Libo & Korek have enough experience with negotiating with opposing insurers and other lawyers that they can typically persuade these other parties to pay up for any damage their clients might be responsible for.

As a look at a site like will show, some cases do eventually proceed to court. For those who suffer serious disability or disfigurement in accidents caused by others, it can sometimes pay to insist on having juries or judges arbitrate the matter in a final way. When the stakes become so high, it can make sense to be unyielding with the associated demands, and that can lead to legal action.