Although almost every state in the U.S. requires drivers to carry auto
insurance, some people choose to drive without it. Recent studies have
shown that the number of uninsured drivers on the road in the U.S. is
on the rise. In fact, roughly 5% of drivers in New York alone do not have
insurance. A large portion of the state’s drivers carry only the
mandatory minimum liability coverage of $25,000. However, for bad accidents
involving serious injury or major property damage, minimum liability coverage
might not be enough. With this in mind, it is important that drivers who
have car insurance have sufficient uninsured and underinsured motorist
coverage as part of their insurance policy. Drivers should also know what
these insurance policies typically cover.
What Is Uninsured Motorist Insurance (UM)?
Uninsured motorist insurance protects you if you’re involved in an
accident with someone with inadequate or no
liability insurance. Uninsured motorist insurance options vary from state to state.
This includes coverage options, available limits, and mandatory requirements.
Policies like this typically cover auto accidents where the at-fault driver
is without insurance, the at-fault vehicle is unregistered, stolen or
driven without the owners’ permission, or the at-fault driver left
the scene of the accident and cannot be identified.
Underinsured Motorist Insurance (UIM)
These policies cover motor vehicle accidents where the at-fault drivers
do not have enough auto insurance to cover all of the damages caused in
the accident. At-fault drivers carrying only the minimum liability insurance
may come up short in the event of a serious accident. With UIM insurance,
you may receive protection in the event that the at-fault driver's
insurance fails to cover the total cost of your damages.
Who Needs UM/UIM Insurance?
In New York, uninsured motorist insurance is required. Even if your state
doesn’t require UM/UIM, it is strongly recommend that you add it
to your commercial auto insurance policy. If an uninsured driver causes
an accident that injures you or damages your property, there will be no
insurance company to pay for the damages, unless you have a UM or UIM
Have you been in an accident with an uninsured or underinsured motorist?
Proving liability can be difficult, which is why it is important to have
strong legal representation. Determining negligence or who is at fault
for an accident can drastically affect your insurance coverage. At Gruenberg
Kelly Della, our accident attorneys believe our clients are deserving
of quality representation, regardless of their financial situation. We
understand the overwhelming stress associated with these types of legal
matters. As our client, you pay nothing until we recover for you. With
Gruenberg Kelly Della, you don’t have to take the first step alone.
Schedule an appointment with one of our Long Island accident attorneys now.