NYC UNINSURED MOTORISTS ATTORNEY
INTRODUCTION TO UNINSURED MOTORISTS PROTECTION
In New York State if you are involved in a automobile accident you are entitled to personal injury protection (PIP) regardless of who may be at fault due to the state’s No-Fault law. In instances when another individual’s negligence was the cause of the accident you can make a bodily injury claim through the at-fault vehicle’s insurance to be compensated for your liability claim. There are times, however, when one may be struck by an individual with insufficient coverage. Read on to see the options available to you if ever faced with this scenario.
UNINSURED COVERAGE (UM)
All drivers in New York State are required to purchase liability insurance that meet the following standards:
- Bodily Injury minimum: Minimum $25,000 per person / $50,000 per accident
- Property Damage minimum: Minimum $10,000 (does not apply to your own vehicle)
- Uninsured/Underinsured Bodily Injury minimum: Minimum $25,000 per person / $50,000 per accident (cannot exceed your BI liability limits)
- Basic Personal Injury Protection minimum: Minimum $50,000
Despite these requirements there are about 5.3% of drivers in New York who operate their vehicles without insurance. Though this places NY as 3rd lowest state (behind Massachusetts and Maine) with uninsured motorists, this still means that there are thousands of drivers out there with inadequate coverage.
The UM coverage helps you if you do not have access to an adverse vehicle’s liability insurance due to an accident caused by:
- Unidentified hit and run driver
- Uninsured out-of-state motor vehicle
- Uninsured NY motor vehicle
- Stolen motor vehicle
- Motor vehicle operated without the consent of the owner
- Unregistered motor vehicle
The Motor Vehicle Accident Indemnification Corporation (MVAIC) while also providing protection in accidents involving uninsured motorists, only steps in as the last resort.
UNDERINSURED COVERAGE (UIM)
Unlike uninsured motorist BI coverage, underinsured motorist coverage (UIM) is not required by New York State. It provides coverage if the at-fault driver in an accident has insufficient liability coverage to fully compensate you.
In both UM and UIM cases a claim has to be filed against your own insurance to process bodily injury claims. UIM claims come into effect after the at-fault driver’s liability has been exhausted. If you find yourself seriously injured by an underinsured motorist, you may have a UIM claim if the injuries you sustain surpass the limits of the negligent driver’s policy.
SEEK A NYC UNINSURED MOTORISTS ATTORNEY WITH EXPERIENCE
Although most insurance companies will acknowledge and honor the UM/UIM provisions of your policy, there are some who may try to reject your UM/UIM claim or offer you very little compensation. It is thus very important to reach out to a personal injury attorney as soon as possible. At Wittenstein & Wittenstein we can help investigate your claim and ensure that you receive fair recovery. We have over 60 years of experience with settling cases involving uninsured and underinsured motorists in New York. Call NYC Uninsured Motorist Attorney today to schedule a free consultation.
NYC UNINSURED MOTORISTS ATTORNEY
Child Victims Act – Sue Dr. Robert Hadden
Since the New York State legislature passed The Child Victims Act in January, 2019 victims of child abuse have been successfully bringing claims for abuse that occurred when they children. The Act extended long expired statute of limitations, allowing victims one year to sue their abusers for acts that were committed decades ago. The deadline for filing claims under the original act was August 14th, 2020, but the NY Legislature voted last Spring to extend until August 14th, [...]
How I Learned To Love Being An Ambulance Chaser
When my dad took me to play tennis and ice skate - when we took our yearly Winter trips to visit relatives in Florida - when we shopped at Saks and Bloomingdales - all I ever heard was how my dad’s law practice paid for all of it. What was he doing to make money for all these nice things? I didn’t really know, but sometimes people would chuckle and say he’s an ambulance chaser. I didn’t really [...]
No Case Is Too Big Or Too Small
Too many people are afraid to contact a personal injury attorney because they’re afraid their case isn’t big enough. It’s quite true that some cases are not worth pursuing, but the reason is usually not simply that they’re small. If you’ve been injured and it’s not your fault there’s usually something you can do to facilitate healing or collect money. Wittenstein and Wittenstein is dedicated to providing access to the highest quality legal advice to all people seeking [...]
How To Find The Best Accident Lawyer
Everybody always wants to hire the best. This is true when you’re looking for a doctor, lawyer, accountant, plumber, electrician or babysitter. The challenge is how to define the “best.” When my daughter wanted to go to a sleep away camp, I asked my friends to recommend the “best” camp. My daughter hated it because they didn’t play sports enough there. I asked my friend, and she said her daughter hates sports, that’s what she loved about the [...]
The Importance of Choosing the Right Brain Injury Attorney
When you, or somebody in your family, is injured in a serious accident, the wolves start to circle around looking for their kickback. These predators don’t care about access to state of the art medical facilities or the accommodations to homes and vehicles that can improve the quality of life for you or your loved ones. All they care about is the kickback they’re going to get from the unethical attorneys and therapy mills that they work with. [...]
Why You Need A Creative Truck Accident Lawyer
Truck accidents cause more fatalities and catastrophic injuries than any other type of motor vehicle accident. That’s why you need a lawyer that knows how to think outside the box to get you the tremendous amount of compensation you’re entitled to for your medical costs, loss of earnings, diminution of future earnings, pain, suffering and emotional distress. You need a lawyer that knows how to find all the deep pockets and that can paint a picture that convinces [...]