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How to File a Car Crash Claim in New York It is important to file a claim immediately following the time you've been involved in a car crash. This will ease the claim process and assist in collecting compensation. The longer you put off to file a claim the more likely it is for the insurance company of the other driver to deny it or pay less. Damages A car crash claim can cover the financial impact of your injury. The damages could include medical bills, lost earnings, and the pain and suffering. If you are at fault for the accident, you may