You likely feel terrified and confused following a car accident. However, if you determine that the other driver is either uninsured or is underinsured, you may feel overwhelmed regarding your next steps. If you were in a car accident with an uninsured or underinsured motorist in the state of New York, here are some tips that will help you handle the situation.
The state of New York does require that drivers obtain certain amounts of car insurance by law. The following are the minimum amounts required in New York.
- $25,000 of bodily injury or death of one person/ $50,000 for more than one person
- $10,000 of property damage for a single accident
New York also requires all motorists to carry uninsured and underinsured coverage in case an accident occurs with another driver who has not followed the law and obtained the coverages required.
Uninsured Motorist Coverage
If the negligent driver does not have any car insurance at all, or if they are underinsured, you may be able to obtain compensation from your own insurance policy following an accident. Always contact your car insurance company as soon as possible following an accident, especially if the other driver is either uninsured or underinsured.
Establishing a Claim
First, you should always contact the police following an accident. The police report is a critical piece of information for your car accident claim. Additionally, you should seek medical attention immediately following a car accident even if you do not feel you were severely injured. Additionally, you should take pictures if possible of the scene of the accident and obtain contact information from all of the witnesses. If you are able to file a claim with your insurance company regarding an uninsured or underinsured driver, you should make sure to keep all evidence related to the accident.
Finally, it is important to note that you have the legal right to file a lawsuit directly against the other driver. However, oftentimes when people do not carry car insurance, they likely do not have enough money to pay compensation for any of your injuries.
Contact a Personal Injury Lawyer
If you were in a car accident with an uninsured or underinsured driver, contact an experienced NYC car accident attorney at the Law Office of Michael J. Redenburg. We can help you understand the legal rights of your elderly loved one, and help you determine your next steps. Contact us today at (212) 240-9465 or online.