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
You-Too? Sexual Harassment – You Don’t Have to Take it Lying Down
QUEENS SEXUAL HARASSMENT LAWYER CAN HELP YOU A Queens Sexual Harassment Lawyer can help you when you've been treated poorly on the job or at school. Not so long ago, there was no recourse for these indignities, but times have changed. Today Roseanne was canceled because of a horrific racist tweet. Actors and politicians are being brought down due to their treatment of women in the workplace. Our culture is moving towards zero tolerance of disrespect, and if you’ve [...]
Everything You’ve Ever Wanted to Know About No-Fault
QUEENS NO-FAULT ATTORNEY CAN HELP YOU GET YOUR MEDICAL BILLS PAID Queens no-fault attorney Wittenstein & Wittenstein is expert at interpreting the “New York Comprehensive Automobile Insurance Act.” Most people call it the “no-fault statute,” and it was enacted in 1973 and went into effect the following year. The purpose of the law was to limit the amount of personal injuries claims for car accidents, as many politicians had this agenda on their platforms. The no-fault statute [...]
How to Avoid Getting Sued
LOCAL PREMISES LIABILITY ATTORNEY HAS SOME TIPS An owner or an occupier (tenant) of property can be held responsible in a premises liability case. Who will be held liable boils down to who was in control -- or should have been in control -- of the part of the property where the injury occurred. Most homeowners have insurance for their premises, but many renters are not aware that they should get “renter’s insurance,” to protect them. Renter’s [...]
Negligence Lawyers in Queens – Helping People Harmed by Others
Queens Car Accident Lawyers knows how to help victims of many types of negligence. Negligence is “failure to use reasonable care, resulting in damage or injury to another.” This can be anything from hitting somebody in the rear with their car to failing to provide proper lighting in a staircase. Negligence is a fancy way to say “failure to use common sense.” If you are hurt because of somebody’s bad judgment, distraction or poor choices, you are a [...]
There’s No Free Lunch
ETHICS 101 HOW TO FIND AN HONEST LAWYER - WHAT ARE THE RED FLAGS TO LOOK OUT FOR? As children we all remember our parents explaining the “No Free Lunch Rule.” Simply, if it seems to good to be true, it probably it, there’s no “free lunch.” Lawyers, like politicians, often make promises to their clients that are impossible to keep, hoping to fill their office with uninformed ignorant clients. In this post you will learn what [...]
When you Visit Your Car Accident Attorney in Queens, Come Prepared with the Right Documents
CAR ACCIDENT ATTORNEYS IN QUEENS WANT TO KNOW WHAT TO BRING TO A CONSULTATION We’ve been a preferred personal injury and accident attorney law firm for generations. Many of our clients are the grandchildren of former clients. We help you when you need legal assistance by empathizing with your situation and by taking strong action to prosecute your case. If you are looking for a car accident or personal injury attorney in Queens, you’ve come to the [...]