New York City Uninsured Motorist Accident Lawyers
According to statistics kept by Value Penguin, about 6.1% of motorists in New York lack car insurance. These numbers do not include the countless visitors who drive into our state also lacking insurance. Unfortunately, many injured motorists are unable to receive the compensation they need after a bad collision.
If you’ve been struck by an uninsured motorist, contact us today. One of our Manhattan car accident lawyers will review your case.
Review Your Insurance Options
Bad accidents can cause tens of thousands of dollars in financial losses, with many accidents causing much more. If you need surgery, for example, you could easily be looking at 6 figure medical bills, which does not even include lost income.
New York requires that motorists carry the following:
- Personal injury protection benefits (PIP). These are no-fault benefits, so you can use them after any accident. They should cover medical care and lost wages. New York requires that motorists carry at least $50,000 in PIP, but you might have purchased more.
- Uninsured motorist coverage (UM). You might use these benefits if the other driver who caused the accident lacked insurance. New York law requires uninsured motorist coverage.
Most people will probably tap their PIP first. However, if you have more than $50,000 in expenses, you should consider whether you can use uninsured motorist insurance. One issue might be how badly injured you are and whether you qualify for benefits under your UM policy. Because each policy is different, you should meet with a Manhattan car accident attorney right away.
PIP is no-fault, as explained above. So you can use them even if you are responsible for a crash. But uninsured motorist coverage depends on fault. If you are at fault, you can’t use UM coverage benefits. Instead, you can only use them if another person is to blame.
Sometimes fault is easy to analyze. If a motorist ran a red light and slammed into you, that driver is at fault. But if you were T-boned coming out of a parking lot, then either you or the driver who struck you might be to blame depending on the circumstances.
Your uninsured motorist insurer might object to paying benefits by claiming you are to blame for the accident. This means you need to work hard to convince your own insurer that your accident falls within your policy coverage.
At our firm, we can help establish fault by interviewing you and any passengers about what happened, along with other witnesses like bystanders. We can review the police report critically and possibly visit the scene of the accident, if necessary.
Call Us Today to Schedule a Free Case Evaluation with a New York Car Accident Attorney
Car accidents can leave victims with mounting medical bills. Get the legal help you need by contacting Lipsig, Shapey, Manus & Moverman today. We are one of the original injury firms in the city, with hundreds of satisfied clients. Overall, we have obtained more than $800 million in compensation for our clients. Contact us today to schedule a free consultation by calling 212-285-3300.