NEW YORK — Driving a car without auto insurance is illegal in almost every state, including New York. Unfortunately, more than 12% of drivers nationwide lack insurance. All too often, drivers with insurance become involved in car accidents caused by those without the minimum coverage, leading to important questions about liability. When you’re injured in an uninsured driver accident, what can you do to recover compensation for things like medical bills and other losses? Our best New York car accident lawyers explain:
Minimum Auto Insurance Requirements in New York
Drivers must have the minimum auto insurance coverage required by the State of New York to register a vehicle in the state. These include:
- $25,000 liability insurance for bodily injury and $50,000 for death
- $50,000 for bodily injury and $100,000 for the death of two or more people
- $10,000 property damage
Without the above coverage, our car accident lawyers in New York warn motorists that the DMV can suspend your vehicle registration and driver’s license.
In a no-fault car insurance state like New York, every driver’s insurance policy covers his or her accident-related damages, regardless of fault. So, if you registered your car in New York State and your policy covers it, and the accident took place in New York, your insurance policy should cover your damages.
There are a number of factors that can be reviewed by an experienced New York car accident lawyer. Your attorney can help determine what policies apply to your no-fault accident case, and what laws can help you get the best result possible.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is additional protection insurance companies must offer New York drivers. The law requires auto insurance policies to include UM coverage for bodily injury, subject to the same minimums above. This type of coverage provides benefits to policyholders or passengers injured in a crash caused by someone without insurance.
Unfortunately, drivers who only carry the minimum amount of liability insurance required may not have enough to cover the full cost of their injuries, particularly if they suffer severe injuries. The following injuries are examples of injuries that may require a lengthy period of time and extensive resources to heal:
- Spinal cord damage
- Head and brain injuries
- Neck and back injuries
- Facial injuries
- The permanent loss of a limb
- Burn injuries
In the worst-case scenario, a person may suffer an injury from which they can’t fully recover, no matter how many surgeries he undergoes or how much time passes. Those who require long-term care quickly run out of insurance coverage. In these situations, it’s crucial to work with the best car accident lawyer in New York for your case, who will fight for the compensation needed to live as comfortably as possible with the sustained injury.
File a Personal Injury Lawsuit with Cellino & Barnes
The best New York car accident lawyers with Cellino & Barnes will obtain the documentation necessary to show that you deserve full compensation, regardless of whether the at-fault party had insurance to pay for it. When you work with our firm, our No Fee Promise guarantees you will not pay a fee unless and until we recover fair compensation on your behalf.
Whether your auto accident claim is at a standstill with the insurance companies or you require filing a lawsuit, we are thoroughly prepared to tackle your case as efficiently as possible. Call us at any time of day to speak with an injury attorney in New York for free.
Cellino & Barnes (800) 888-8888