Helping Clients Hit by an Uninsured Driver
No matter how carefully you drive, there is always some risk of getting into an accident when you’re behind the wheel. But what if you're hit by someone who doesn't have car insurance, despite it being mandatory by New York State law? What solutions are there to claiming damages and compensation?
Uninsured Motorist Coverage can helpAll New York drivers carrying basic car insurance are covered by Uninsured Motorist coverage. This means that, even if someone hits you without any insurance coverage at all, or leaves the scene of an accident without exchanging identifying information, your insurance policy should provide you with at least as much coverage for your accident-related expenses as it would if you were the at-fault driver.
If you're carrying the minimum required amount of coverage under New York law, you'll have $25,000 in coverage for a single person's injuries, $50,000 in coverage for multiple injured persons, and $10,000 in property damage coverage. Getting your insurer to pay you the full amount of money you're owed for your claims, however, is another story.
Receiving the full value of your claim can be a challengeWhen you file a claim with your insurer for damages received by an uninsured driver, the process for receiving the money you're due is much more difficult than when making a claim when both drivers are insured. Since the uninsured driver is rarely willing to participate in helping you make a claim, it is up to you to prove that your injuries and property damage resulted from the crash you describe. This isn't always easy to do. An experienced Hudson Valley car accident lawyer can help you gather evidence to strengthen your claim for damages, which may include:
-Medical expert testimony
-Photographic evidence of crash damage
-Accident reconstruction evidence