Despite the fact that almost every state in the nation requires drivers to carry auto insurance, many drivers still drive without it. Also, many individuals merely carry the mandatory minimum liability coverage of just $25,000. As a result, the drivers that do have car insurance need to have enough to recover compensation after injuries in underinsured motorist accidents. It’s important that drivers understand insurance policies and how to collect on them. An uninsured driver accident attorney can help explain the legal insurance requirements in New York.
What can an uninsured driver accident attorney in Long Island do for me?
First, they can help you understand the difference between uninsured and underinsured claims in the state of New York.
Uninsured motorist claims cover auto accidents where at-fault drivers don’t have insurance, the at-fault vehicles aren’t registered, are stolen or driven without permission, or the at-fault driver left the scene and can’t be identified.
Underinsured motorist claims cover accidents where at-fault drivers don’t have enough insurance to cover the damages they caused at an accident.
What are the insurance policy requirements in New York?
New York law only requires that drivers have liability insurance coverage. Required insurance amounts include:
- $10,000 for property damage in a single car accident
- $25,000 for injuries to one person and $50,000 for the death of one person in one car accident
- $50,000 for injuries to multiple people and $100,000 for deaths of multiple people in a single car accident
In order to recover an insured claim, the insurance company has to decide that there was no insurance coverage for the at-fault driver/vehicle at the time the accident occurred. When people submit claims under uninsured motorist insurance policies for hit and runs, they have to provide proof of physical contact and evidence of injuries or damage. Recovery will depend on the amount of coverage someone has on their policy and the amount of insurance (if any) the at-fault driver has.
How An Accident Attorney Can Help You
Uninsured or underinsured motorist accidents are stressful enough without having to worry about how you will pay the bills that result from them. Insurance companies do deny claims, which causes those injured in these accidents even more stress. An uninsured driver accident attorney can represent you when you need them most. They can be the middle person between the insurance company and you and can navigate the legal waters for you, allowing you to recover from your injuries stress free.
A personal injury lawsuit can help you to recover damages that you deserve as a result of this type of accident. It’s important to hire an experienced and skilled uninsured driver accident attorney that can stand up for your rights. We can offer professional representation for uninsured and underinsured motorist accidents in and around Long Island. We work diligently in order to produce the results that you’re looking for and most importantly, you deserve.
In order to schedule a free consultation with one of our uninsured driver accident attorneys today, call 800-353-7918. We serve clients in Long Island, NY and the surrounding communities of Mineola, Garden City, Hempstead, Queens and surrounding Nassau and Suffolk Counties.