Uninsured or Underinsured Driver Accidents

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Uninsured or Underinsured Driver Accidents

Brooklyn Uninsured or Underinsured Driver Accident LawyerUnder state law, drivers in Brooklyn and the rest of the state are required to maintain adequate automobile insurance.

If another driver causes a car accident and does not have auto insurance, or not enough coverage to pay for the damages, your own insurance must be accessed to make up the shortfall.

If an uninsured or underinsured driver caused an accident in which you or a loved one was seriously injured, contact The Law Offices of Jay S. Knispel, LLC for a free case consultation at (718) 802-1600.

Why Choose Us

  • The Brooklyn personal injury attorneys at The Law Offices of Jay S. Knispel, LLC have 20 years of experience representing people that have been injured by uninsured or underinsured drivers.
  • All cases are taken on a contingency fee basis – if we don’t win for you, you owe no fees.
  • Founding partner Jay Knispel is an experienced trial lawyer, who can professionally manage every aspect of your case with aggressive and effective legal representation.
  • We understand that you have been seriously injured and you need to focus on your health and recovery. We can take care of every detail of your legal case.

Why You Need a Lawyer

If you have been seriously injured in an accident caused by the negligent actions of a motorist that carries no auto insurance, or inadequate auto insurance, our legal team at The Law Offices of Jay S. Knispel, LLC can:

  • Obtain police reports and other relevant records
  • Establish the party at fault in the accident
  • Ensure that all evidence is preserved
  • Aggressively negotiate with the insurance companies, including your own

What is an Uninsured Motorist?

An uninsured motorist does not carry the minimum insurance coverage required by New York law. Per the New York State Department of Financial Services, the minimum requirements are:

Liability Insurance:

  • $25,000 for bodily injury to one person.
  • $50,000 for bodily injury to all persons.
  • $10,000 for property damage in a single accident.
  • “No-Fault” coverage of $50,000 is also mandatory.
  • The state law also requires automobile insurance policies to include coverage for uninsured motorists with the same minimums.

What is an Underinsured Motorist?

An underinsured motorist is one that carries insurance minimums that may not be sufficient to cover the losses associated with your injuries. The damages may include:

  • The cost of medical care and treatment
  • Hospital bills
  • Rehabilitation costs
  • Lost wages
  • Diminished earning capacity
  • Loss of quality of life
  • Pain and suffering

The uninsured/underinsured motorist clause in your own auto insurance comes into play if the other party’s insurance cannot cover the damages.

It is not unusual for insurance companies to attempt to avoid honoring this clause, deny or delay paying a claim, or seek to pay less in compensation than you have a right to under the terms of your policy.

At The Law Offices of Jay S. Knispel, LLC, we will review the terms of your auto insurance policy and demand fair treatment or take your case to court for a fair resolution.

Contact Us Today

If you or a loved one was seriously injured in an accident caused by an uninsured or underinsured driver, don’t hesitate to call The Law Offices of Jay S. Knispel, LLC today for a free consultation and evaluation of your case.

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Our Locations

New York City Office 

450 7th Ave Suite 409
New York, NY 10123
(212) 564 2800

Law Offices of Jay S. Knispel Personal Injury-New York City Office


Brooklyn Office 

26 Court St., Suite 2511
Brooklyn, New York 11242
(718) 802-1600

Law Offices of Jay S. Knispel Personal Injury - Brooklyn Office


We are available to take your call 24/7