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Queens Underinsured Motorist Accidents

Anyone who drives on New York roadways must have auto insurance. That is the law. However, suppose a driver carries insurance as required by the law and then negligently causes you to suffer a severe injury such as a spinal cord injury, head injury, broken or crushed bones, an amputation, or a brain injury. Just because an insured driver injures you does not mean that his insurance will be sufficient to cover all of your medical bills and our other losses. While the law requires drivers to carry insurance, it does not require drivers to carry maximum insurance. Drivers must carry minimum insurance which is often insufficient. If you were injured in a car accident by a driver who was underinsured, contact an experienced Queens Underinsured Motorist Accidents Lawyer who can advise you of your legal options for pursing a personal injury claim.

What Are New York's Auto Insurance Requirements?

New York law requires that drivers carry New York State issued automobile liability insurance coverage. There are minimum amounts of insurance that drivers must have:

  • $25,000 for injuries to one person and $50,000 for the death of one person in one car accident
  • $50,000 for injuries to multiple people and $100,000 for deaths of multiple people in one car accident
  • $10,000 for property damage in one car accident

However, if a driver only carries the minimum coverage, that may not be enough to pay for damages suffered in a serious accident.

If you are injured in an accident and the other driver is underinsured, you may still be able to recover damages from your own underinsured motorist policy. New York insurance companies offer a variety of types of auto insurance including underinsured motorist coverage. Underinsured motorist coverage will pay for damages if you are injured in a car accident caused by another person who does not have sufficient liability insurance. The amount of compensation that you will receive will be based on the amount of the damages you suffered, the amount of liability insurance the negligent driver has, and the amount of underinsured coverage you have. As long as you have chosen sufficient policy limits, your underinsured coverage will cover your medical bills and bodily injury.

What Types of Damages Will I Receive?

Car accidents leave victims with serious injuries, including traumatic brain injuries, injuries to the back and spine, broken bones, and injuries to internal organs. Such serious injuries will result in significant medical bills as well as missed work. Thus, you will be able to recover the out-of-pocket expenses related to your medical treatment such as the emergency room bill, hospital bill, the fees from your visits to your doctor, and the cost of your prescriptions. In addition, you may also be able to recover lost wages and compensation you would have received, but for the accident. You will also be able to recover damages for property damage, such as the damage to your vehicle. However, your recovery will be capped by the limits of the negligent person's policy and your underinsured motorist policy.

Queens Underinsured Motorist Accidents Lawyer

A car accident may leave you with both physical injuries and financial stress. In many cases such as when the at-fault driver was underinsured, the amount of recovery that you may be able to receive from an insurance company may be limited. However, there may be other options to pursue that may result in your receiving additional compensation. The staff at Stephen Bilkis and Associates has extensive experience representing clients injured in auto accidents in cases where the negligent driver was uninsured or underinsured. Contact us at 800.696.9529 to schedule a free, no obligation consultation regarding your car accident. We serve clients in the following locations: Queens, Westchester County, Suffolk County, Staten Island, Bronx, Brooklyn, Long Island, Manhattan, and Nassau County.

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