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Pursuing damages after a car accident with an uninsured motorist

No one in New York wants to get into a car crash. However, if they do get into one, they would at least want to ensure that they do not need to pay for the damages, especially if the accident was not their fault. To help ensure this happens, New York law requires that all drivers have car insurance with minimum limits to cover both damage to the vehicles and injuries to the occupants of those vehicles.

If the driver who caused the car accident follows the law and has insurance, it may take some time, but eventually the driver's insurance company should pay the victim for their client's actions. However, not all drivers follow the law and some drivers do not have insurance or their insurance policy does not cover all the damages the victim suffered. If a driver without insurance causes an accident, it can be much more difficult for the victim to collect damages from that driver.

In these situations the victim may still be able to recover compensation for their damages though. However, instead of suing the other driver, the victim may try to recover damages from their own insurance company through uninsured motorist coverage. The law also states that all insurance policies must also have uninsured motorist coverage. So, if the victim has insurance for their vehicle, they will also have uninsured motorist coverage and could still recover damages.

There are many car accidents in New York each day. The severity of these accidents can vary, but some victims end up with very serious injuries. These can be very costly for the victim, but they may be able to receive compensation from either the other driver or their own insurance policy if the other driver does not have insurance for their vehicle. Attorneys understand how devastating car accidents can be and may be able to assist victims who want to pursue compensation.

Source: dfs.ny.gov, "Consumer Frequently Asked Questions - Auto Insurance" accessed Nov. 6, 2017

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