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
Evolution of Attorney Fees in the United States
In the 17th Century, most states capped legal fees based on the attorney’s area of practice. For example, there would be a cap for divorce, a cap for real estate transactions and a cap for criminal representation. Attorneys would therefore have to compete heavily for clients based on their skills because it wasn’t easy for an attorney that charged less than the cap to make a living. That’s why attorneys lobbied heavily for additional fee options and [...]
How to Choose the Best Truck Accident Lawyer
If you’ve been injured in a truck accident, you could be facing a road long to recovery without the resources in place to keep your family afloat. Luckily, the best truck accident lawyers in NYC can help you collect the compensation you’re entitled to from the responsible parties without requiring you to pay any fees until money is recovered. Many Queens, Brooklyn, Manhattan and Bronx personal injury attorneys claim to be truck accident lawyers, but lack the [...]
Do’s and Don’ts After A Car Accident
If you sustain serious injuries in a car accident, the financial and emotional impact on your family can be severe. The shock of an accident can cause even the most level headed people to become disorientated, so it’s wise to know in advance the steps you need to take to protect your health and your finances. Doing the wrong things after an accident, or forgetting to do the right things, can jeopardize your ability to collect the compensation [...]
New Laws To Prevent Construction Accidents
New York Law is getting an update with the intention of helping to prevent injuries to workers and bystanders caused by construction accidents. These changes are a result of research and investigations over the last few years that have pinpointed how to best reduce accidents without putting undue restraints on the profitability of construction companies. The result is a series of updates to construction safety laws on sites, building inspection requirements and property maintenance rules. If you’re [...]
How To Choose The Best Queens Accident Attorney
When you’re injured in an accident that’s caused by somebody else’s negligence, recklessness or intentional act, you may be entitled to money damages. The first step is to ascertain whether the act or omission that you believe caused the accident meets the legal standard for liability. If it does, the case is only worth pursuing if there is insurance or substantial assets to collect against. Once this is established, the evidence must be presented in the best [...]
How To Find The Best Forest Hills Personal Injury Attorney?
If you’ve been injured in an accident, it’s important to get legal advice quickly so that evidence can be preserved and deadlines are met. That said, rushing into signing on the dotted line with somebody that hands you a card as you’re getting into an ambulance isn’t the right way to do it. When you choose the best Forest Hills personal injury lawyer that’s been serving the community for over sixty years, you’ll get great service and great [...]