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
Auto Accidents Cause Most Head Injuries
According to Johns Hopkins Medicine, more head injuries are caused by motor vehicle accidents than by any other type of trauma. They are also the most common cause of disability and death for adults in the United States. All head injuries must be taken seriously because symptoms of traumatic brain injuries (TMI) are not always clear and delays in treatment can result in a death that might have been prevented. That’s why Alyce Wittenstein, the best Queens [...]
Compensation For Injured Construction Workers
Construction work is the world’s most dangerous profession, with thousands of workers suffering severe and fatal injuries each year. According to the Occupational Safety and Health Administration (OSHA,) close to one in five workplace deaths are in the construction industry. Unfortunately, injured workers, and the families of workers that are killed on the job, rarely collect what they’re entitled because of laws that restrict lawsuits against employers. The only way to collect a large amount of compensation is [...]
Free Consultation: What to Expect from the Attorney
Some attorneys offer free consultations to new clients as a way to expand their clients base and to assess whether their firm and the client are a good fit. They are also a great way for clients to begin to understand the legal issues that apply to their matter. To get the most out of a free consultation with a NYC construction accident lawyer, or a Queens, Brooklyn, Manhattan, Staten Island or Bronx car accident attorney, it’s important [...]
Distracted Driving Main Cause of Car Accidents in NYC
In NYC, passenger cars and pedestrians compete with Amazon, Freshdirect, Ubers, Lyfts, black cars, yellow taxis and green taxis for their patch of roadway that’s not taken over by a bicycle lane. The background noise of blaring radios, jackhammers and construction doesn’t let you think and the flashing storefront lights cloud your vision. That’s why the best accident attorney in Queens always advises clients to drive defensively. Types of Distracted Driving If you ask a New York [...]
When Should I Call A Divorce Lawyer?
If divorce is in the air, putting off getting legal advice doesn’t make the problem go away. Knowing what you’re entitled to in a divorce can help you decide if it’s best to tell your spouse now or to wait until you’re better prepared financially to make a move. If your spouse has already brought up divorce, they’ve probably already spoken to an attorney, so you need to catch up quickly. Wittenstein & Wittenstein is the top [...]
SHOULD I HIRE A LAWYER FOR MY STARTUP?
The biggest mistake any startup can make is cutting corners by using DIY forms to start their business. That’s why most startups will hire an attorney to handle the formation of their business entity, but they often don’t see the need for ongoing legal support. The savviest startups know that being proactive is the best way to protect the hard work they’re putting in their company and that hiring the best business lawyer in Queens to protect and [...]