What Happens if You Get Hit by an Uninsured Driver?

Some people have uninsured driver coverage included in their insurance policy. This allocates some coverage for situations where the insured is hit by someone with no insurance.

However, some car accidents can have catastrophic consequences that lead to serious injuries requiring expensive, long-term medical care. If this is the case, the uninsured driver coverage included in your policy may not be nearly enough to cover your damages. If this is the case, your only solution in New York is filing a civil personal injury suit to get the compensation to which you are legally entitled.

What About the “No-Fault” Rule?

You may have heard that New York is a “no-fault” auto insurance state. New York No-Fault Insurance Law apply when:

• Your vehicle is registered in New York State;
• Your policy covers the vehicle involved in the accident, and;
• The accident occurs in New York.

If your case is eligible, your insurance company may pay out for your claims regardless of whether you were fully or partially at fault.

But this is a totally separate issue from your right to file a personal injury claim for damages that are not covered by insurance. Talk to a Personal Injury Lawyer who frequently handles Car Accident cases; he or she will have background knowledge about how your insurance relates to your personal injury claim.

If you’ve been hit by a driver who says he or she has no insurance, contact an car accident attorney who understands the way both car insurance and personal injury cases work in New York. Contact the New York Car Accident Lawyer of The Rybak Firm, PLLC today to talk about your game plan. Call us at (718)307-5554 so we can learn about your accident with an uninsured motorist and help.