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Protecting Yourself from Uninsured Motorists In NYC
Car accidents in New York City can be extremely difficult in people’s lives when the car accident involves a motorist with little to no car insurance. An accident with an uninsured motorist can become both a demoralizing and distressing experience. In most states, it is a crime if an individual does not have liability coverage insurance for a vehicle that they operate.
Accidents with Uninsured or Underinsured Motorists
What happens when you’re the victim of a serious car accident with an uninsured motorist in New York? For most, the medical bills begin to pile up, the loss of wages takes a bite out of your savings, and your physical pain keeps you from getting back to work so you can make an income. Numerous individuals are unaware that their policy may cover Uninsured or Underinsured motorists to help protect them financially when they get in an accident with a negligent driver.
Liability Insurance Requirements for Motor Vehicles in NY
What happens if a driver who hit you doesn’t have enough liability coverage? According to the New York State Department of Motor Vehicles, a motor vehicle registered in New York State must have liability insurance. Insurance coverage must be a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage caused by any one accident. New York State is a no-fault state. The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used (except motorcycles).
Liability insurance must cover medical bills, loss of wages, and property damage of the other motorist. When a motorist doesn’t carry insurance, the victims are left with bills they can’t pay.
What can be done to keep you safe from motorists who drive uninsured?
If you are in a car accident with an uninsured motorist and suffered injuries, contact a law firm that represents accident victims with all types of serious and catastrophic injuries. Personal injury attorneys know how to deal with insurance companies and will help you get the compensation you deserve.