Kingston Uninsured Motorist Attorney Serving the Hudson Valley
The laws of the state of New York require all drivers to carry certain minimum amounts of car insurance. Despite these requirements, thousands of drivers without any car insurance and with little ability to pay out of pocket for the expenses associated with a crash are still on the road. If you’ve been injured in a crash with an uninsured or underinsured New York driver, you can still be compensated for your injuries. Speak with one of the seasoned and knowledgeable personal injury and uninsured motorist claim attorneys at Rusk, Wadlin, Heppner & Martuscello to explore your options for collecting damages after a crash with an uninsured driver.
Uninsured Motorist Insurance Coverage in New York
In New York, if your insurance coverage meets the state’s basic legal requirements, then you already carry coverage for accidents with uninsured, underinsured, or unknown drivers. Your coverage for crashes with uninsured drivers will be equivalent to your coverage for damages caused to other drivers in a car accident for which you were responsible. Even if the at-fault driver is insured, they may not carry a sufficient amount of insurance coverage if you incurred extensive injuries in the crash, or if the value of your property damage was high. Underinsured motorist coverage, also included in the basic required insurance in New York, can help make up the difference. However, insurance companies may still contest the amount of your claim, or deny coverage for injuries received in a crash that you believe should be covered. A personal injury attorney can help you to receive the maximum amount of recovery possible from your insurer, as well as explore other avenues for recovery, so that you can rest assured that all your accident-related bills will be fully paid.
Unknown Driver Claims Require Greater Support
While you are entitled to compensation under your uninsured motorist coverage for injuries caused by an unknown driver, you may encounter some resistance from your insurer when making such a claim. Insurance companies have an interest in paying out as little as possible in claims, and so if there is any doubt that your damages were in fact caused by a hit-and-run driver, rather than your own negligent behavior, they may try to deny your claim. Hit-and-run insurance claims require greater factual support than other types of claims, since there is no other driver to corroborate your account of events. A knowledgeable New York hit-and-run car accident attorney will ensure that you’ve obtained all necessary documents from the police, will gather any evidence from the crash to support your claim, and will find any witnesses of the crash who can testify on your behalf in court or in a deposition.
If you or a loved one have been the victim of a negligent uninsured motorist and need experienced legal help to make sure you’re made whole, contact the compassionate Hudson Valley personal injury law firm of Rusk, Wadlin, Heppner & Martuscello for a free consultation, at 845-331-4100 in Kingston, 845-236-4411 in Marlboro, or toll-free at 800-566-4101.