Although drivers in New York are mandated to have insurance, it is estimated that nearly 15% of drivers are completely uninsured motorists. If you have been in a traffic accident and the other driver is uninsured, here are five facts you should know.
First, drivers are termed uninsured according to the law if 1) they have no coverage at all; 2) they have purchased insurance, but it is below the statutorily minimum liability amount; and 3) they have purchased car insurance, but their claims were denied.
Second, importantly, each car insurance policy written in the state of New York is required to include uninsured motorist coverage as part of its terms. This coverage will pay for harm done to you or any passengers if it is determined that said harm resulted from any negligent acts on the part of an uninsured driver.
Third, New York is a no-fault insurance state. What this means is that all automobile insurance policies must pay for the insured party’s medical bills and any further expenses caused by accidents.
Fourth, uninsured driver claims in New York usually need evidence of a direct connection between any injuries and the uninsured driver’s car.
Fifth, there are certain circumstances in which the uninsured coverage rules may not apply. Some examples are: 1) you were driving another’s car without permission; 2) you were riding in a taxi or a police car; or 3) you suffered injuries, but were also driving without insurance.
If you have been in a crash with an uninsured driver, please contact us. We will fight vigilantly for your rights.