What Happens When You’re in an Accident With an Underinsured or Uninsured Driver?
After a severe accident, you’ll want cash out of your insurance coverage firm and the at-fault driver to cowl the prices of your medical payments and misplaced wages. So it’s possible you’ll not know what to do if the opposite driver was both uninsured or underinsured. Maintain studying to see what your choices are for recovering compensation after an accident with an uninsured driver.
What Is an Underinsured Driver?
Earlier than diving into New York’s insurance coverage legal guidelines, right here’s a short overview of the variations between uninsured and uninsured drivers:
- Uninsured: A driver who’s illegally working a car with out automobile insurance coverage.
- Underinsured: That is somebody who has automobile insurance coverage, however their coverage doesn’t have sufficient protection to pay for the prices of the non-public accidents or property harm brought on by the accident.
How Does New York’s Supplementary Uninsured/Underinsured Motorist Protection Work?
For the reason that passing of recent legal guidelines in 2018, drivers in New York who’ve automobile insurance coverage mechanically have supplementary uninsured/underinsured motorist (SUM) protection added to their insurance policies. SUM protection matches the bodily harm protection in your legal responsibility coverage. The state requires a minimal of $25,000 in bodily harm protection for the accidents of 1 individual and $50,000 for a number of folks. Relying in your coverage, your automobile insurance coverage could have much more protection for accidents.
That will sound like some huge cash, however should you or a cherished one has spent days or perhaps weeks within the hospital, you understand how shortly medical payments can add up. That’s why you shouldn’t settle for the primary settlement that the insurance coverage firm presents you. You’ll be higher off hiring a dependable private harm lawyer and ready till you’ve been totally examined by medical professionals. Then, you and your lawyer could have a greater understanding of how a lot you’ll have to cowl therapy, bodily remedy, and misplaced wages.
New York’s No-Fault Legal guidelines
As a result of New York is a no-fault state, drivers can stand up to $50,000 to cowl bills associated to an accident, no matter who’s at fault. You will need to file a declare inside 30 days of the accident to obtain no-fault reimbursement. This course of means that you can obtain cash whereas your lawyer handles negotiating with the insurance coverage firm for a good settlement.
How Leav & Steinberg Can Assist You
It may be troublesome to navigate getting compensation after an accident with an uninsured driver. That’s why it is best to work with the skilled private harm attorneys at Leav & Steinberg LLP. We’ve helped drivers throughout New York doc their accidents, file claims, and obtain the cash they should get their lives again on observe. We’ve got workplaces in Manhattan and the Bronx; plus, our workers can come to you should you’re too injured to journey. To schedule a free session with one in all our attorneys, name 212-766-5222 as we speak.