Queens NY is home to over 2.2 million people and the DMV estimates that about 15% of all drivers are uninsured. There is a law in New York that states that all registered drivers must have certain forms of basic insurance or else their car registration can be revoked. Included in this is uninsured and underinsured coverage, with a minimum amount being 25k per driver and 50k per accident.
The intention of this law is to help protect the insured drivers from those driving uninsured since there is no insurance policy on the uninsured vehicle that can assist in paying for the accident. Many times though the insured driver soon realizes an unfortunate truth. Insurance companies are not easy to deal with.
When is this relevant? Well since New York is a no-fault state, for basic, minor accidents it won’t be very relevant. No-fault means that the driver’s own insurance company handles their driver since no driver is “at fault.” if you have the minimum coverage of 25k and 50k then quite easily the damages from the accident can outpace the coverage. Costs for an accident include auto repair, medical bills, and lost wages.
It is at this point typically that the other driver’s insurance would payout if you can prove it was caused by them, to cover the additional expenses. But since the second driver, in this case, is not insured, there are alternative ways of recovering funds. This is where an experienced auto accident attorney can help.
Accidents of this nature can be so difficult because drivers without insurance are more likely to leave the scene of the accident. Additionally proving fault in general, even if you know the second party can be extremely difficult. Obtaining a personal injury lawsuit might be a choice.
It is always important after an accident to:
A Queens Personal injury attorneys who specialize in auto accident claims like Ribowsky Law have handled countless auto accident cases specifically dealing with uninsured claims. You don’t have to face the insurance companies, medical bills, and recovery on your own. Our team of experienced lawyers handle the hard work and get the compensation you deserve.
To discuss your uninsured auto accident claim, and explore your options of getting compensation, contact the legal experts at
Ribowsky Law 109-12 Jamaica Ave, Richmond Hill, NY 11418 (718) 659-5333 https://www.mrinjurylawyerny.com/