Uninsured Motorist Claims

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Uninsured Motorist Claims

Uninsured Motorist Claims Lawyer in New York CityHave you or a loved one been injured in an accident with an uninsured motorist? The New York City car accident lawyers at the Law Offices of Jay S. Knispel Personal Injury Lawyers can help you pursue legal action.

Despite auto insurance laws, car crashes involving uninsured drivers are a common problem. Car crashes are the leading cause of injury-related deaths in New York, with an average of 316 deaths annually. Those who survive these accidents are often left with serious, life-altering injuries. These accidents are especially frustrating when the other driver involved is not insured.

Give us a call at our New York City, New York, law offices at (212) 564-2800 or contact us here, and let us help you deal with the issues that come with uninsured motorist claims. Your first consultation with us is free.

How the Law Offices of Jay S. Knispel Personal Injury Lawyers Can Help With an Uninsured Motorist Claim in New York City

How the Law Offices of Jay S. Knispel Personal Injury Lawyers Can Help With an Uninsured Motorist Claim in New York City

New York drivers are required to carry car insurance that includes personal injury protection (PIP). Unfortunately, not all drivers comply. If you get into an accident with someone who is uninsured, that can make a difficult situation even more complicated.

Dealing with complex legal matters may not be at the forefront of your mind, which is why having an experienced and skilled lawyer at your side can make all the difference. Leave the legal matters to us.

When you hire the Law Offices of Jay S. Knispel Personal Injury Lawyers, you’ll be working with a highly-respected law firm that’s known in New York City, NY, for helping clients recover multi-million dollar awards.

Among the many accolades our personal injury law firm has received include:

  • Multi-Million Dollar Advocates Forum
  • Top 100 Trial Lawyers per National Trial Lawyers
  • Some of the largest verdicts and settlements in New York
  • Martindale-Hubbell Preeminent Rating

Our personal injury law firm believes our clients should receive top-notch legal representation, and we make sure we provide exactly that. We’ll make sure to put you in the best possible position for success.

Contact our New York City law offices to arrange a free consultation. Our team will review your case and share our initial thoughts on the next steps.

How Does it Affect You If the Other Driver Was Uninsured?

New York is a no-fault state, which means that no matter who was at fault for the accident, the drivers must use their own insurance and PIP coverage to cover the costs of their injuries.

In some cases, however, you have the right to go after the other driver’s insurance if that driver was the one at fault. These situations include any of the following:

  • The costs of your injuries exceed your PIP coverage
  • Your injuries are especially severe as defined by law
  • Property damage

If the other driver was uninsured, you could turn to your uninsured motorist coverage to make up the difference.

What Is Uninsured Motorist Coverage?

New York insurance policies must include uninsured motorist coverage (UM). UM coverage takes care of economic losses. Economic losses are those that are financially quantifiable, such as medical bills, lost income, and rehabilitation. In the event of serious injuries as defined by New York Insurance Law, however, non-economic losses such as pain & suffering, emotional distress, and loss of consortium can also be covered.

The law defines serious injuries as the following:

  • Death
  • Dismemberment
  • Loss of a fetus
  • Significant disfigurement
  • Fractures
  • Permanent loss or impairment of a limb or organ
  • Any injury that impairs someone’s ability to perform daily tasks for at least 90 days

An experienced car accident attorney who understands insurance law can help you navigate the issues surrounding this complicated situation. There’s too much at stake for you to try to figure all this out on your own.

Contact the Law Offices of Jay S. Knispel Personal Injury Lawyers to discuss your case and learn more about all your legal options.

What To Do After an Accident With an Uninsured Driver

All motor vehicle accidents should be handled with extreme caution, regardless of the insurance status of the other driver. Do not allow the driver to convince you not to document the accident because of their lack of insurance.

  • Document everything at the scene by taking photos/videos of any physical injuries, property damage, road conditions, and surrounding debris.
  • File a police report. Law enforcement should document statements from eyewitnesses at the scene. Gather this information for your own legal records as well.
  • Seek medical attention to protect your health and legal rights. Some injuries may take days to become apparent. It can be difficult to prove these injuries were a result of the accident if you forgo seeking medical care immediately.
  • Notify your insurance provider immediately after an accident. There are likely terms in your policy that are legally binding in the event of a collision with an uninsured driver.

Contact a personal injury lawyer as soon as possible following the accident. Guidance from a personal injury lawyer is critical in an accident, especially when you’re dealing with an uninsured driver.

Contact the Law Offices of Jay S. Knispel Personal Injury Lawyers Today

Regardless of the other driver’s insurance coverage, you deserve to be compensated for your injuries. Our New York City car accident attorneys at the Law Offices of Jay S. Knispel Personal Injury Lawyers can help you fight for the financial award you need to help you recover and get your life back on track.

Give us a call to schedule a free consultation. Speak to our personal injury attorneys and find out what our firm can do for you.

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