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.