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 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:
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.
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 personal injury lawyers has over 100 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 injury attorneys to get started today!