Blog / Law

NEW LAW FOR 2018 LOOKS TO HELP VICTIMS OF AUTO-NEGLIGENCE

New York has enacted a new law which helps victims of auto-negligence recover compensation they are entitled to, even if the person who caused their injury has insufficient automobile coverage. Most people know that its a good idea to get auto insurance with sufficient liability limits to help protect them if they are sued by someone injured in a car accident. What most people don't know is that they have the right to purchase coverage in that same auto policy which can provide them with coverage for their own injuries if the person who caused the accident doesn't have sufficient policy limits themselves. That coverage is called Supplementary Uninsured Motorist Coverage or SUM coverage. Its been around a long time but its not promoted by the insurance companies. So what we've seen all too often are client's with large liability limits but low SUM limits. Low SUM limits means that if the person who caused your accident has bad coverage your insurance recovery will be limited even though you thought you had purchased a 'big' policy. Under the new law, if you purchase a new policy, your SUM coverage will automatically be set to the same level as your liability coverage so can you protect yourself to the same degree as you protect others (unless you opt-out). Unfortunately, under the new law your existing policy is not affected so please check your policy to see if you are getting the right coverage to protect you and your family. Please know that there is a lot of 'fine print' that comes into play before you can access this coverage so feel free to call our office if you've been injured in an auto accident to discuss your rights.

Posted in:

Related Posts

Understanding Child Injury Laws: Rights and Legal Recourse

Childhood is a time of exploration, growth, and development, but unfortunately, accidents and injuries can happen even in the safest of environments. When a child is injured due to someone else's negligence or misconduct, it can be a distressing and overwhelming experience for both the child and their family. In such cases, understanding child injury laws becomes crucial to protect the rights of the child and seek appropriate legal recourse. This blog post aims to provide an overview of child injury laws, the rights of injured children, and the available legal avenues for seeking justice. The Rights of Injured Children Children, like adults, have the right to be safe from harm and to receive proper care. When a child suffers an injury, their rights must be upheld, and those responsible for causing the harm should be held accountable. Here are some fundamental rights that injured children are entitled to: Right to Safety: Children have the right to a safe environment, whether it's at home, school, daycare, or public spaces. This includes protection from hazards, negligence, abuse, or any situation that could lead to harm. Right to Medical Care: Injured children have the right to receive prompt and appropriate medical attention. This includes emergency treatment, rehabilitation, and ongoing healthcare necessary for their recovery and well-being. Right to Compensation: In cases where the injury occurred due to someone else's negligence or intentional misconduct, the child and their family have the right to seek compensation for medical expenses, pain and suffering, emotional distress, and other related damages. Understanding Child Injury Laws Child injury laws encompass a range of legal principles and regulations that protect the rights of injured children. Some key aspects to consider include: Negligence: Negligence refers to the failure to exercise reasonable care, resulting in harm to another person. In child injury cases, it could involve negligence by individuals such as caregivers, teachers, property owners, manufacturers of defective products, or healthcare providers. Liability: Determining liability is crucial in child injury cases. Depending on the circumstances, various parties may be held responsible, including individuals, businesses, government entities, or organizations. Statute of Limitations: Child injury cases often have specific statutes of limitations, which limit the time within which legal action can be taken. It is important to consult with an attorney to understand the applicable timeframe for filing a claim. Legal Recourse for Child Injuries When a child sustains an injury, there are several legal recourses available to ensure their rights are protected and justice is served. These options may include: Personal Injury Lawsuits: If the injury was caused by the negligence or intentional misconduct of another party, a personal injury lawsuit can be pursued to seek compensation for the damages suffered. This may involve proving the defendant's liability and demonstrating the extent of the child's injuries and related expenses. Product Liability Claims: In cases where a defective product caused the child's injury, a product liability claim can be filed against the manufacturer, distributor, or retailer of the product. Product liability laws hold manufacturers accountable for designing, producing, or selling products that are unreasonably dangerous. School or Daycare Negligence Claims: If the injury occurred at a school or daycare facility, where the staff failed to provide adequate supervision or maintain a safe environment, a negligence claim can be pursued against the responsible party. Schools and daycares have a duty of care towards the children entrusted to their care. Childhood injuries can have a profound impact on a child's life and the well-being of their family. Understanding child injury laws and the rights of injured children is essential for ensuring they receive the necessary care, support, and compensation they deserve. If your child has been injured due to someone else's negligence or misconduct, consulting with an experienced personal injury attorney specializing in child injury cases is crucial to navigate the legal process effectively and seek justice on behalf of your child. Remember, every child deserves a safe and secure environment to thrive and grow.

What To Do After Hitting Debris on the Road in Nassau County, NY

Striking unexpected debris on the roadway can happen in seconds, but the aftermath often lasts much longer. Tire blowouts, sudden swerving, and multi-car collisions are common outcomes when drivers encounter tire treads, lumber, furniture, or cargo that has fallen from another vehicle. If this has happened to you, Miller, Montiel & Strano wants you to understand your rights and the steps you should take right away to protect your health, your vehicle, and any potential legal claim. Knowing what to do in the moments after the incident can make a significant difference later, especially if you need to work with a road debris accident lawyer to recover damages. This guide walks through the immediate actions to take, the legal considerations involved, and why working with a car accident caused by debris lawyer matters for drivers throughout Nassau County, NY. Immediate Steps to Take After Running Over Road Debris The first few minutes after hitting debris are critical, both for your safety and for any future legal claim. Move to a Safe Location If your vehicle is still drivable, carefully pull over to the shoulder or nearest safe area. Turn on your hazard lights to alert other drivers. Debris-related incidents frequently occur on highways and busy roads, so getting out of active traffic lanes should always be the priority. Check for Injuries and Call for Help Even minor collisions with debris can cause whiplash, airbag injuries, or damage that isn't immediately obvious. Call 911 if anyone is hurt, and request police response so an official report is generated. This report often becomes a key piece of evidence if you later consult a road debris accident lawyer. Document the Scene Thoroughly Take photos of the debris, your vehicle's damage, the road conditions, and any skid marks or surrounding hazards. If other vehicles were involved, gather their information as well. Witness statements and contact details can also strengthen your case significantly. Report the Incident Beyond calling the police, consider reporting the debris to the New York State Department of Transportation or local municipality if it appears to have come from a poorly secured load or a construction site. This documentation trail supports claims made with the help of a car accident caused by debris lawyer. Understanding Liability in Road Debris Accidents Determining fault in these cases is rarely straightforward, which is why many drivers in Nassau County, NY turn to legal guidance early in the process. Who Can Be Held Responsible? Liability may fall on multiple parties depending on the circumstances. A trucking company that failed to secure its cargo, a construction crew that left materials on the road, or even a government agency responsible for road maintenance could bear responsibility. Identifying the correct party requires investigation, which is where a road debris accident lawyer becomes valuable. The Role of Evidence in Your Claim Insurance companies often dispute these claims, arguing that debris "appeared suddenly" or that the driver should have reacted differently. Strong documentation, traffic camera footage, and expert analysis can counter these arguments. Clients working with a car accident caused by debris lawyer benefit from a thorough investigation that builds a more convincing case. Statute of Limitations Considerations New York law places time limits on filing personal injury claims, so acting promptly matters. Waiting too long to pursue a claim can result in losing the opportunity to recover compensation altogether, regardless of how strong the evidence may be. Why Local Representation Matters in Nassau County, NY Working with a firm familiar with local roadways, court systems, and insurance practices offers a distinct advantage. Miller, Montiel & Strano has represented drivers throughout Nassau County, NY who have faced the aftermath of debris-related collisions, from single-vehicle tire blowouts to multi-car pileups caused by hazardous road conditions. Local knowledge often translates into a smoother claims process and stronger negotiating position with insurance adjusters. Clients consistently value clear communication and steady support throughout what can be a stressful and confusing time. That combination of local insight and attentive service has helped many drivers move forward with greater confidence after a debris-related crash. What a Road Debris Accident Lawyer Can Do for You Handling an insurance claim alone often puts drivers at a disadvantage, particularly when the responsible party is a large trucking company or a government entity with legal representation. Investigating the Source of the Debris An experienced road debris accident lawyer works to trace the origin of the hazardous material, whether it fell from a commercial vehicle, was left behind after roadwork, or resulted from a failure to properly secure cargo. Negotiating With Insurance Companies Insurance adjusters are trained to minimize payouts. A car accident caused by debris lawyer understands these tactics and negotiates firmly to pursue fair compensation for vehicle repairs, medical expenses, and lost wages. Preparing for Litigation When Necessary While many claims settle outside of court, some cases require litigation to secure adequate compensation. Having a legal team prepared to take a case to trial often strengthens your position during settlement discussions. Take Action After a Road Debris Incident If you have recently run over debris on a roadway in Nassau County, NY, the choices you make in the following days can shape the outcome of any claim you pursue. From documenting the scene to understanding who may be liable, each step matters. Miller, Montiel & Strano is ready to review the details of your incident and explain your options clearly, without unnecessary pressure or confusion. Reach out through our contact page or call our office to schedule a consultation and discuss the next steps for your situation.