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Uninsured Motorist Accident

Underinsured and Uninsured Motorist CoverageWhen misfortune finds you, and you are involved in an auto accident with an underinsured or uninsured driver, you may feel as though you have limited options for securing sufficient financial compensation for the harm suffered.

Fortunately, the New York car accident lawyers at Edelman, Krasin & Jaye have dedicated their careers to pursuing and obtaining sizable recoveries for victims of negligent, uninsured or underinsured motorists. To ensure that you receive the full amount of compensation to which you are entitled, it is vital that you enlist the assistance of attorneys with decades of experience handling auto accident cases and the insurance carrier negotiations that are an integral part of them.

The bulk of drivers on the road today take their responsibilities seriously and purchase the amount of auto insurance coverage required by law.

However, there is a contingent of motorists estimated to be upwards of 14 percent, who are completely uninsured when they get behind the wheel. If you are unlucky enough to be involved in a collision with one of them, their failure to carry an appropriate amount of insurance can prove financially devastating to you and your family.

Attorneys at Edelman, Krasin & Jaye have advocated for the rights of injured clients since 1952 and possess expansive knowledge of New York’s no-fault statutes and uninsured motorist coverage laws.

Uninsured and uninsured motorist coverage in New York

New York is a no-fault insurance state, and therefore all automobile insurance policies are required to pay for the insured party’s medical bills and additional expenses resulting from accidents. However, it is also possible for injured motorists to file personal injury claims against at-fault drivers for other types of damages. Of course, when the at-fault driver is uninsured or lacks sufficient coverage levels, things can become far more complicated, and full compensation can be elusive.

At EKJ Law, we have the background and know-how to investigate whether or not the uninsured motorist portion of your own insurance policy can be leveraged to help you bridge the coverage gap and meet the new expenses and obligations arising from your accident.

Every automobile insurance policy sold in the state of New York is required to include uninsured motorist coverage in its terms. Such coverage provides payment for harm done to you or your passengers that was caused by the negligent actions of an uninsured driver or a hit-and-run driver. It also provides coverage for injuries sustained as a pedestrian, bystander or as a passenger in the vehicle of another.

The bottom line is that if you have suffered harm as a result of the negligence of an uninsured driver, this coverage can provide compensation, and the team of New York personal injury attorneys at Edelman, Krasin & Jaye can help make certain you receive it.

Determinations about whether or not uninsured or underinsured motorist coverage can be accessed in a given injury case will depend on numerous factors concerning the events at issue as well as the true status of the at-fault driver.

Motorists are considered uninsured if:

  • They have no insurance coverage whatsoever
  • They have insurance, but it falls below statutorily minimum liability amount
  • They have purchased auto insurance, but their claims were denied

In addition, uninsured motorist claims in Long Island and throughout New York typically require proof of a direct connection between your injuries and the car of the uninsured individual.

Some circumstances under which uninsured coverage may not be held applicable include:

  • You suffered injuries while also driving without insurance
  • You drove another individual’s car without their permission
  • You were a passenger in a taxi or a police vehicle

If you are facing serious injuries, mounting medical bills and other financial losses, you need the help of personal injury lawyers who have handled uninsured auto accident cases on behalf of clients for years and established a track record of success. At Edelman, Krasin & Jaye, our overriding objective is to provide understanding, personal service to individuals whose futures depend on securing a favorable outcome.

How a New York car accident attorney can help

When the financial harm caused by an accident with uninsured or underinsured motorist begins to take a real toll on you and your family, it may be necessary to pursue formal uninsured motorist claims. In addition to payment for medical expenses, a NY car accident lawsuit may secure compensation for:

  • Lost wages
  • Reduction in earning capacity
  • Pain and suffering
  • Ancillary expenses

It is important to note that insurance carriers are often reluctant to pay the full value of a claimant’s damages, regardless of the fact that those claimants have been good, paying customers, often for numerous years. Insurers frequently try to deny claims in the hope that the injured party will lack the resources or resolve to fight back.

In such situations, the assistance of car accident attorneys who focus on handling uninsured motorist cases can be truly invaluable. The firm of Edelman, Krasin & Jaye, has the necessary resources to assemble the police reports, witness statements, medical testimony and other evidence required to build persuasive arguments and protect your rights. When insurance carriers engage in especially egregious handling of your uninsured motorist claim, we also stand ready to pursue bad-faith claims that may result in damage awards in excess of existing policy limits.

Trusted car accident lawyers in New York

When you or someone you love is involved in a serious automobile accident, panic, confusion and uncertainty can take hold almost immediately. If your injuries were caused by the negligence of an uninsured or underinsured driver, you may start to wonder if financial recovery will ever be possible. In order to maximize your chances of securing a favorable outcome, it is critical to obtain knowledgeable legal counsel able to strategically present your options and zealously advocate for your rights.

At Edelman, Krasin & Jaye, we pledge to take swift action in assessing the facts of your case, collecting key evidence and acting as fierce negotiators with all insurance carriers.

To receive a no-charge legal consultation, we invite you to call us at 800-469-7429. Delay no further in aligning yourself with a legal team that is ready to do battle to help you get the compensation to which you are entitled.

  1. Insurance Research Council, Recession Marked by Bump in Uninsured Motorists, http://www.insurance-research.org/sites/default/files/downloads/IRCUM2011_042111.pdf
  2. USA Today, One in seven drivers have no insurance, http://usatoday30.usatoday.com/news/nation/story/2011-09-11/uninsured-drivers/50363390/1