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How to File a Car Crash Claim in New York It is important to file a claim immediately after you are involved in a car crash. This will make it easier to go through the claim process and help you collect compensation. The longer you put off to file a claim the more likely it will be for the insurer of the other driver to deny it or pay less. Damages A car accident claim can help you cover the costs associated with your injuries. These damages could include medical bills along with lost wages, suffering and pain. You also may be entitled to com