Car accidents both big and small happen often on the busy New York roads, keeping insurance companies just as busy. However, in recent years studies have found that nearly 6 percent of motorists drive without insurance in New York.
This is illegal, but it does not stop some people without insurance from continuing to drive. Fortunately, uninsured motorist coverage can protect you and your family in the event of an accident.
New York law requires coverage
New York law mandates citizens to have uninsured motorist (UIM) coverage. This coverage specifically protects you in the event of an accident with a driver who does not have liability insurance. It also covers you in the event of a hit and run accident. UIM coverage pays for:
- Medical bills
- Lost wages
- Pain suffered
You can also obtain extended UIM coverage for any damage caused to your vehicle or property.
UIM insurance can significantly reduce your worries about any potential accident. It ensures you and your family do not have to depend on the other driver’s circumstances to get compensation for your pain and suffering.
File your claim as soon as possible
Filing an insurance claim is often the last thing you want to think about after an accident. However, it is crucial to file a claim as soon as possible after an accident, so you can get the most aid from your insurance company and a head start on your recovery.
Filing a lawsuit
New York is a no-fault state. This means that no matter who was at fault for the accident, usually your own insurance companies pays for any medical expenses or damages to your property.
Most New York insurance policies look out only for the individual who owns the policy, not other drivers. However, it is understandable that you may want to hold an uninsured driver accountable for their negligence. Although it is difficult to file a lawsuit in a no-fault state, if you or a family member suffered serious injuries from an uninsured driver, you may have the ability to pursue legal action.
Some of these injuries include:
- Wrongful death
All motorists have a duty to drive safely. Having proper insurance coverage is a part of that duty, and you have options to take action and hold uninsured drivers responsible for breaching that duty.