Dag Law Specializes in Uninsured Motorist Claims
Your automobile liability insurance limits are there to pay someone else who is injured if you cause an accident. But, what happens when the driver who hits you does not have insurance? Uninsured motorist (“UM”) benefits are there to protect you and/or your family members, even if you are injured by a vehicle that does not have enough coverage.
New York law requires that uninsured motorist (“UM”) coverage is a part of motor vehicle insurance policies. Every motor vehicle registered in the state must carry personal injury liability insurance with coverage amounts of at least $25,000 per person and $50,000 per accident. Similarly, every auto policy in New York has uninsured motorist coverage with the same limits. Additionally, limits such as these can be higher.
Uninsured Motorist Coverage
UM coverage is the least expensive coverage you can buy—often as little as $1.00 a week can buy $100,000 worth of UM coverage. Protect yourself and your family. Increase your UM coverage today. If you are uncertain about your policy limits or have questions about UM coverage, call us now.
This coverage protects motorists and their passengers from other drivers who drive illegally without insurance. In fact, one of every 20 motorists on the road in New York is uninsured, the Insurance Research Council estimates.
The weak economy affects the number of uninsured motorists. A one percentage point increase in unemployment translates into an increase of three-quarters of a percentage point in the rate of uninsured motorists, according to the Insurance Research Council. So during an economic downturn, such as the one we’re currently experiencing, the number of uninsured motorists is higher than normal.
The law is on your side if the uninsured driver was at fault in the accident. But collecting uninsured motorist benefits may not be simple. Your insurance company may try to deny your claim or offer a settlement that is far less than what you deserve for your injuries.
Talk With Your Attorney Immediately
Don’t speak with the insurance company until you speak with an attorney. Talk with one of our lawyers who has experience handling New York uninsured motorist claims. The insurance companies have lawyers representing them. It’s important that you have a lawyer representing you. We will keep in close contact with you as we work through your case. Our skilled lawyers and dedicated support staff keep in constant communication with our clients, typically returning all phone calls within 24 hours or less.