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Getting compensation after an accident with an uninsured driver

In 2012, more than five percent of New York drivers were uninsured according to the Insurance Information Institute. This results in a number of accidents throughout the state that involve uninsured drivers.

If you end up in an accident with an uninsured driver, you may be wondering who will pay the bills. What insurance plan will cover your costs? What steps should you take to get compensation?

Uninsured motorist coverage

Your own auto insurance should provide uninsured motorist (UM) coverage as part of your policy. New York insurance law requires that every driver carry UM coverage. The statutory limit for this coverage is $25,000 per person or $50,000 per accident that occurs in New York State.

Additionally, you may have opted for additional UM coverage through your insurance company. This can provide you with additional coverage, including coverage if you are in an accident outside of New York. Check your policy and work with your insurer to determine if you have this coverage.

Personal injury claim

In addition to UM coverage through your insurer, you may be able to seek additional compensation through a personal injury claim if you suffered a serious injury in the accident. An attorney can evaluate your claim and guide you through the legal process of securing compensation. In a personal injury case, you can pursue compensation above the coverage normally provided through insurance. This includes damages for your pain and suffering.

In addition to helping you with your legal claim, an experienced injury lawyer can also assist in negotiating with the insurance company. This can ensure that you receive the full benefits and compensation you need after an accident.

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