A car accident can turn your life upside down. Between the resulting medical bills, damage to your car, lost income and the potential of life-altering injuries, a car accident can be extremely costly. If you are involved in a car accident that is attributable to another person’s wrongful actions, you may be eligible for compensation for the resulting economic and non-economic damages.
Like all other states, New York requires motorists to purchase car insurance policies. Unfortunately, despite this legal requirement, it is not uncommon for some motorists to drive uninsured or underinsured vehicles. In fact, studies show that over four percent of New Yorkers drive uninsured vehicles.
The position of the law regarding car insurance
It is important to understand that New York laws require every motorist to have uninsured motorist coverage. Basically, this means that your insurance carrier will provide you with up to $25,000 in compensation for personal injuries should you be involved in an accident with an uninsured driver. Thus, if your medical bills exceed this amount, then you may have to take legal action to recover the rest of the compensation. It’s also important to note that this does not cover damages associated with pain and suffering.
So can you sue the other motorist?
Yes, subject to the circumstances of your case, you may sue the other motorist when you or your passengers have sustained serious injury that costs more than your no-fault insurance will cover.
Protecting your interests
A car accident that involves an uninsured motorist can leave you with more questions than answers. Learning more about New York’s uninsured motorist claims can help you safeguard your interests if you are hit by an uninsured or underinsured motorist.