Under New York state law, all drivers are required to maintain liability insurance to protect themselves from legal liability in the event that they are found to be at fault for causing a car accident. This makes it possible for the accident victim to collect monetary damages for medical expenses, lost wages and pain and suffering from the driver’s insurance policy, rather than having to sue the driver in court for personal injury and using a civil judgment to obtain a wage garnishment or lien on the driver’s property in order to satisfy the claim.
Unfortunately, not all drivers obey this law, and many people on the streets of New York City are driving without any type of insurance. According to Insurance Journal, New York has one of the lowest rates of uninsured motorists in the nation, at only 5 percent as compared with a nationwide average of 14 percent, but there is still the chance of being hit by such a driver. If you were involved in an accident of this nature and you are now looking for an attorney for your car accident case in New York City, NY, then you should contact of Greenberg & Stein, P.C. today.
If you have been injured or lost a loved one in a traffic collision caused by an uninsured motorist, don’t think that you have no way of obtaining financial compensation for the losses you have suffered in the wake of the accident. New York’s car insurance laws also mandate that all drivers purchase and maintain uninsured motorist coverage to provide for situations where the at-fault driver does not have coverage, as well as for hit-and-run accidents. Uninsured motorist insurance covers you, your passengers and any family members who live in your household.
The minimum amount of coverage for this type of policy is $25,000 per person and $50,000 per accident for bodily injury and $50,000/$100,000 for death. When we meet for a free case evaluation, we will take the time to review your insurance policy to determine the amount of compensation you may be eligible to receive. Speak to a New York City personal injury attorney at our office today.
Even if your claim against your own uninsured motorist policy is approved for the full limits of your policy, this amount may still be less than you need to pay for the costs associated with a catastrophic injury or the tragic loss of a loved one. In such a case, it may be useful to pursue a civil claim against the driver who caused the accident. As mentioned above, a successful personal injury or wrongful death lawsuit may result in a judgment which can be used to secure the garnishment of the defendant’s wages or a lien on his or her personal property. Given that people who have no insurance are typically in that position because they are of limited means, this is not always a viable option, but we can investigate the situation to determine whether to pursue this course of action in your case.
You should not make the assumption that your own insurance company is on your side when you file an uninsured motorist claim. Remember: The insurance company is in business to make money, and they do this by collecting premiums, not by paying on accident claims. They are likely to use any possible excuse to minimize or deny your claim, and if you attempt to settle the claim on your own there is a very good chance that they will succeed. Don’t take any chances with the outcome of your case. Let a New York City car accident lawyer from Greenberg & Stein, P.C. fight for you! Contact us now for your free initial consultation.