Uninsured and Underinsured Motorist Claims
Long Island Car Accident Lawyers
In New York, uninsured motorist insurance is not just recommended, it is
required by law. Studies show that the number of drivers without insurance
continues to increase in the state of New York. Knowing this, it is important
to be sure you are sufficiently insured in case you’re in an accident
that results in serious injury or major property damage. Many times, minimum
liability coverage is not enough for these types of accidents.
Uninsured Motorist Insurance (UM) & Underinsured Motorist Insurance (UIM)
Uninsured motorist insurance is intended to protect you if you’re
in an accident and the other driver doesn’t have liability insurance.
Underinsured motorist insurance protects you in situations where the at-fault
driver's insurance fails to cover the total cost of your damages.
UM/UIM coverage usually applies if your accident involves:
- A driver without insurance
- An insured driver, but their coverage doesn’t fully compensate total damages
- An unidentified hit-and-run driver
In the event of an uninsured driver causing you injury or damaging your
property, having UM or UIM insurance can be the difference between you
or your insurance company paying for accident-related expenses.
Our Attorneys Can Help You
If you wish to recover compensation from an uninsured or underinsured motorist
policy, you will likely need to demonstrate that the other driver was
at fault. While these policies are intended to protect victims at their
most vulnerable moment, not every policy has the same level of coverage.
In some cases, an insurance company might not even be required to compensate
your claim if you settle prematurely with an at-fault driver. For this
and numerous other reasons, it is good practice to get legal assistance
or advice before filing a UM/UIM claim with your insurance company.
Our team of accident lawyers has over 50 years of combined experience with
cases like these. We hold insurers and motorists accountable for their
actions. If you have filed or plan to file a UM/UIM claim in Long Island,
we can help. At Gruenberg Kelly Della, we not only guide you through your
case but also strive to provide the personal attention you deserve.
Contact our Long Island team of accident attorneys
to get started today!