Auto accidents happen quite often, which is why we must carry auto insurance to protect our property, health, and finances in the event of a car accident. In New York, you are legally obligated to possess car insurance which covers bodily injury, property damage, basic personal injury protection, and uninsured motorist coverage.
According to the Insurance Information Institute’s 2012 report, 5.3 percent of New York drivers do not possess auto insurance. If you are involved in a car accident caused by an uninsured driver, and you do not have uninsured motorist coverage, you will have to pay for all damages and accept all financial losses arising from that accident.
A car accident with an uninsured driver can devastate someone physically, emotionally, and financially. Our Palmyra personal injury attorneys at Foley & Foley can help you navigate the claims process and advise you on whether or not a personal injury lawsuit is appropriate for your case.
In New York, all drivers are required to have uninsured/underinsured motorist coverage in the amount of $25,000 per person or $50,000 per accident for bodily injury. Uninsured motorist bodily injury coverage is typically sold in amounts which mirror the liability insurance you purchased.
Keep in mind, a serious accident will exhaust more funds than the minimum requirements allocate. By spending a few extra dollars on your premium, you can have the peace of mind, knowing that you have enough coverage in the event an uninsured motorist accident occurs.
Although “no-fault” insurance automatically pays for your medical expenses, in some circumstances, you can also sue the other driver for pain and suffering and any expenses above the $50,000 no-fault coverage limit.
If you sustain a “serious injury” in an accident, you can sue the other driver. Serious injuries include death, dismemberment, disfigurement, fractured bone, loss of a fetus, permanent loss of use of a body part or function, permanent consequential limitation of use of a body organ or member, and not being able to work for at least 90 days during the 180 days after your crash.
Our Palmyra personal injury attorneys are well-versed in these types of cases. We serve clients throughout Rochester and in the upstate New York counties of Wayne, Monroe, Cayuga, Seneca, Ontario, Oswego, Tompkins, Onondaga, Erie, Niagara, Chemung, and Oneida.
Contact us and request a consultation today.