New York Underinsured/ Uninsured Motorist Lawyers

Not all drivers are under the protection of insurance. A driver who fails to carry automobile insurance is in violation of the state compulsory automobile insurance laws, which requires all drivers to be under motorist insurance to protect him from accident damages. Recovery for damages becomes more difficult when dealing with a New York uninsured motorist accident. When a driver is at fault and he is insured, the recovery for damages is usually easier and straightforward.

An uninsured driver is one who has not insured his vehicle, while an underinsured driver is one who insured his vehicle, but whose insurance is not enough to cover all damages that were sustained by the vehicle. It is very risky to drive without proper insurance, especially when a person encounters an accident. A driver should always make sure that he is covered by a sufficient insurance that will compensate all his needs, should the uninsured/underinsured driver be at fault.

Although a driver can file a legal case against a driver whose insurance is not sufficient or who is not at all covered by any insurance, it is never a guarantee that the person at fault will be able to compensate the victim. Compensation usually includes medical support and car repairs. Many other factors will matter, so it is wise to consult a New York auto accident lawyer to advise you with the legal actions you should make.

Some insurance companies allow a compensation of up to $15,000 for every injured person, and an additional $5,000 for all property damages. If you calculate, this will not be enough to cover medical expenses and car repair. Today, there is uninsured/underinsured coverage for drivers, in case the party at fault is uninsured or underinsured. If you avail of this, you can be certain that someone else is going to cover all your medical needs and other property repairs in case an unwanted accident happens.

Being injured from an automobile accident can result to far more damages than an insurance company could ever pay you, so it is important that you get a just compensation for your loss. Although the insurance can pay for all the property damages and hospital bills, they are usually not liable for your loss of earning capacity. The uninsured/underinsured insurance can fill the gap and pay you for your lost income, depending on the level of injury sustained.

If you were injured by a driver, it is important to find out if the driver is insured. You will have until 14 days to report an accident, and until 3 years to claim injury compensation. You should report the accident at the soonest possible time. You can then consult a New York uninsured motorist attorney to know the proper legal actions that should be taken against the uninsured/underinsured driver who was at fault.

You need to be able to produce enough evidence that will prove that the driver was really at fault, so it is wise to seek the help of a New York underinsured motorist attorney for the quick documentation of the evidence that will stress the fault of the driver who caused the injury.

If you or someone you love has been injured in a New York auto accident and are now dealing with an underinsured or uninsured motorist policy, it is imperative that you seek the guidance of experienced legal counsel as soon as possible. The uninusred and underinsured motorist attorneys at Wingate, Russotti, & Shapiro can help you during this difficult time. Contact us today for a free consultation of your case.