What Do You Do If You Are In A Collision With A Person Without Insurance In New York?
Car accidents take place all the time. While most collisions are insignificant, there may be times where an accident leads to injuries. When a crash happens because of a negligent party, the damages due are usually covered by the at-fault driver’s insurance policy. However, there are a number of people on the road who don’t have insurance or carry an underinsured policy.
These scenarios can be difficult for you, especially if you have suffered injuries. However, there are ways to rectify the situation.
New York Insurance Requirements
Drivers are required to pay for the injuries or damages which spawned from an accident where they were at fault.
The best way for this to happen is by buying insurance.
New York car insurance requirements include $10,000 for property damage for a single accident, $25,000 for bodily injury and $50,000 for bodily injury and $100,000 for the death of two or more people in an accident.
However, if damages that are associated with a collision are higher than these numbers, the at-fault driver is still accountable for the damages due.
As a victim of a crash, you are able to file a lawsuit against the negligent driver if he or she does not have enough insurance to cover your costs for injuries and property damage. However, it can be hard to receive damages from an uninsured driver.
Underinsured And Uninsured Insurance
Your insurance policy may cover an accident with an uninsured or underinsured driver. If your policy includes this, you can file a claim for any damages or expenses that were as a result of an accident.
This kind of insurance pays out expenses that are due in a collision with a driver with no insurance or not enough insurance. This insurance also covers hit and run crashes. As well, in addition to your medical costs, it also will cover property damage.
There are two kinds of these insurance policies–property damage and bodily injury. Although, there is a deductible that is aligned with this type of insurance. Bodily injury will pay for medical costs, lost wages, and pain and suffering, as well as recompense for permanent disfigurement or permanent disability.
Insurance will cover you as the driver and any passengers in your automobile. You might have Personal Injury Protection as well as a supplement to your insurance policy. This will cover any medical costs and up to 80 percent of your lost wages. In addition, it covers the costs of a permanent care provider. This insurance covers both you and your passengers no regardless of who was negligent.
Insurance can be complex, and it may be hard to know what your next step should be after a collision. An experienced personal injury attorney can look at your case and help you.
Retaining The Services Of A New York Attorney
With a personal injury lawyer on your side, you have an effective way to protect yourself after an accident. If you or a loved one has been hurt due to a collision with an uninsured driver, retain our services to learn more about what your rights are, what your options are, and the most effective way to get the justice you are due.
Have you been hurt in a collision? If you or a loved one sustained an injury in an accident, contact the expert personal injury attorneys at Gattuso & Ciotoli Law Offices. At Gattuso & Ciotoli Law Offices, we help clients get the most compensation for your car accident injuries. Contacting Gattuso & Ciotoli Law Offices will assist you in your car accident claim right away. Each accident is unique and can vary from case-to-case. It is vital to gain the services of an experienced personal injury attorney who can assist you within your accident claim. Contact us to talk about the details of your accident and how we can help you to get the compensation you deserve.