
Essential Guide for Clients
Understanding what to do after an accident can be overwhelming. At Serio Law PLLC, we prioritize your well-being by providing essential information and guidance to help you navigate through these challenging times. Our comprehensive checklists and expert advice ensure you have the knowledge needed to protect your rights and make informed decisions regarding insurance, accidents, and personal injury claims.

Verify Your
Insurance Coverage
It's crucial to verify that you have the right type of insurance coverage. One of the most important coverages to consider is Supplementary Uninsured/Underinsured Motorists (SUM) Coverage. This coverage provides protection for both in-state and out-of-state accidents, offering peace of mind in case you encounter an uninsured or underinsured driver. We recommend carrying SUM coverage with limits up to the bodily injury limits you have chosen to ensure maximum protection for you and your family. Below are the typical limits available:
- $25,000/$50,000 - Not recommended.
- $50,000/$100,000 - Not recommended.
- $100,000/$300,000 - The least you should have.
- $250,000/$500,000 - Strongly recommended.

Immediate Steps After
an Accident
Knowing what to do immediately after an accident can significantly affect the outcome of any claims you may file.Here are the essential steps to follow:
1. Stop and Call the Police: Ensure a proper police report is made.
2. Attend to Injured Persons: Call an ambulance if needed and document injuries.
3. Protect the Scene: Prevent further accidents by warning oncoming traffic.
4. Exchange Information: Gather names, addresses, and insurance details
from all involved parties.
5. Gather Witnesses: Collect names and contact information from any witnesses.
6. Document the Accident: Write down details and take photos of the scene.
7. Report the Accident: Notify the Commissioner of Motor Vehicles and your insurance company.
8. Handle Claims: Refer all claims against you to your insurance company.
9. Seek Medical Attention: Visit a doctor for any injuries, even if they seem minor.

Steps for
Injured Workers
If you are injured at work, follow these steps to ensure your rights are protected:
1. Report the Accident: Inform your Supervisor/Employer immediately.
2. Accident Report: Ensure an accurate accident report is prepared.
3. Document Witnesses: Collect information from any witnesses.
4. Photograph the Scene: Take photos of the accident scene.
5. Seek Medical Attention: Visit a physician or hospital to document your injuries.
6. Consult an Attorney: Discuss your case with an attorney to explore potential claims under Worker’s Compensation or New York State Labor Law.

Importance of
SUM Coverage
Many serious injuries from automobile accidents involve drivers with insufficient insurance coverage. Purchasing Supplemental Underinsured Motorist (SUM) coverage is essential to protect yourself and your family. SUM coverage insures you above and beyond the at-fault driver's coverage, providing additional compensation. We strongly advise purchasing significant SUM coverage to safeguard against underinsured drivers. This coverage is typically affordable and can make a substantial difference in your compensation if an accident occurs.

Maintain Your
Medical Log
Maintaining a detailed medical log is crucial for preparing your case and maximizing your recovery. Record the following daily: - The affected part of your body - Your confinement status (bed/home) - Return to work date -Names and addresses of doctors and medical tests ordered - Duration of any further hospitalization - Names of prescribed and over-the-counter medications - Any other pertinent details This log helps provide comprehensive information for legal proceedings and claims.

Contact Us for
Legal Help
If you or a loved one sustain a significant injury, it is crucial to contact our law firm promptly. Laws in this field are complex, and early contact allows us to investigate and preserve evidence effectively. There is no reason not to call since the consultation and advice are free. Our team is here to help you understand your rights and navigate the legal process.
frequently asked questions
Q. What Do I Need To know When Hiring a Personal Injury Attorney?
A. Not all personal injury attorneys are the same. When it comes to serious situations of accident or injury, it pays to make sure the attorney you choose will be able to give you the most help possible. Ask the attorneys you are talking to about taking your case the following questions:
What percent of your cases are settled before trial?
• Most (90%) of cases settle, according to national statistics. It is less time consuming and expensive to have a case settle than to take it to court.
Do you have a solid record of successful settlements or positive verdicts when dealing with cases similar to mine?
• This is important because insurance companies keep track of law offices that bring cases to them. If the cases are prepared well, and usually deserve to be settled promptly, the companies know this and will be less likely to want to bring the case to court.
How do I get in touch with you if I have questions?
• We have extended hours- while most other firms are available from 9:00 AM - 5:00 PM, Monday through Friday. A number of individuals will be working on your case as it progresses (your attorney, paralegals, legal secretaries, etc.) and any one of these “team members” will either be able to help you immediately or at least get back to you by the end of the business day. If you aren’t sure whether or not you have a case, or if you have just been injured in any way (i.e. you have not retained us as your attorneys yet), we provide 24 hour service to advise you of your options.
Are you Board Certified in Civil Trial Law?
• The NBTA (National Board of Trial Advocacy) provides a strict certification process (including testing) for attorneys that practice in civil litigation. Have you passed that test?
Q. How Do I Know if I Have a Case?
A. Except in the most obvious situations, it is almost impossible for an individual to know if they have a case. Call us for FREE advice. We are here to help you determine the value of your case. The first thing you should do is call us at (934) 500-4745
to talk with one of our team experts. In general, a case must have three key elements in order to have a strong case (NOTE: you may have a lesser case if any of these is lacking).
• LIABILITY- Is there someone who is LEGALLY at fault for the injury? In some states, like NY, juries can award a percentage of fault. In general, the more a defendant is at fault, the greater the award.
• DAMAGES – Was there significant injury or loss as a result of the incident?
• COLLECTABILITY – Does the person who is at fault have insurance or other assets that one can recover as part of an injury claim? In other words it doesn’t pay to take someone to court if they are unable to pay you any damages.
Q. I am in this country illegally. Can I still sue someone if I am injured?
A. Yes, even illegal aliens have rights when it comes to injury cases. You will not be deported for bringing a case.
Q. Can I get money immediately, before my case settles or goes to trial?
A. Yes, there are organizations which are available to provide money immediately to you while your case is pending.
Q. How can I get to work while my car is being fixed?
A. We have many ideas and methods to help you work with ANY problem you face while your case is pending and your life is disrupted. You won’t know unless you ask (“Ask and ye shall receive.”)
Q. Can I get medical care if I do not have medical insurance?
A. Yes. We have access to a whole list of medical providers who will treat you on a fee basis while your case is pending. If you have no means to pay now- just ask us!
Q. What Percent of your cases are settled before trial?
A. Most (90%) of cases settle, according to national statistics. It is less time consuming and expensive to have a case settle that to take it to court.
Q. Do you have a record of successful settlements or positive verdicts of cases similar to mine?
A. This is important because insurance companies keep track of law offices that bring cases to them. If the cases are prepared well, by a known and experienced lawyer, they usually deserve to be settled promptly. The companies know this and will be less likely to want to bring the cases to court against a strong and well prepared lawyer.
Q. How do I get in touch with you if I have questions?
A. We have extended hours- while most other firms are available from 9:00 AM - 5:00 PM, Monday through Friday. A number of individuals will be working on your case as it progresses (your attorney, paralegals, legal secretaries, etc.) and any one of these “team members” will either be able to help you immediately or at least get back to you by the end of the business day. If you aren’t sure whether or not you have a case, or if you have just been injured in any way (i.e. you have not retained us as your attorneys yet), we provide 24 hour service to advise you of your options.
Q. Are you in Civil Trial Law?
A. The NBTA (National Board of Trial Advocacy) provides a strict certification process (including testing) for attorneys that practice civil litigation. Has your attorney passed that test? Not many lawyers in this field even bother to qualify, let alone pass this strict test.
Q. I don’t have confidence in my attorney. May I change attorneys without being penalized?
A. Yes. Under law you have the right to change attorneys at any time. The new attorney must obtain the file from the former attorney and a fair and appropriate split fee is decided between the two attorney’s offices. You do not have to pay more than the original fee. For example, you will still pay a single “one-third” fee but now the attorneys must share it based on the proportion of work each office has done. The client does not get involved in this as it is worked out between the attorneys.
Q. I already have an attorney. May I still call your office for a “second opinion”?
A. Yes. We will provide you with a free evaluation of your case if you call us. Often we do not attempt to take over the case from the other attorney unless you decide that this is in your best interest and we believe we can help you obtain a better result and have a better experience. Many times we simply explain patiently what is occurring and send you back to your attorney a happier and more knowledgeable client.
Secure Your Future
Protecting your rights and ensuring maximum compensation after an accident is vital. Get expert guidance now.