Drivers in New York are required to carry an auto insurance policy which covers both personal injury and property damage to others when they are liable for a car accident. Unfortunately, this law is often disregarded, leaving many car accident victims with hefty bills to pay.
For this reason, it is crucial that you purchase uninsured/underinsured motorist coverage as part of your own auto insurance policy. This coverage is typically rather inexpensive, and the benefits can be invaluable.
Uninsured/underinsured motorist coverage allows you to collect compensation from your own insurance company up to the limits of your policy when you are injured in a car accident caused by a driver who does not have adequate insurance to pay for your damages. You will be able to receive compensation in situations when:
- Your damages exceed the limits of the at-fault driver’s policy
- The at-fault driver does not have any insurance coverage
- You are injured in a hit-and-run car accident
It is always a good idea to purchase the maximum allowable uninsured/underinsured motorist coverage offered by your insurance company. This will provide you with the greatest possible safety net in the event that you are seriously injured in a car accident.
Unfortunately, your insurance company is not always on your side. Many insurance carriers will do everything possible to avoid paying the benefits spelled out in your policy. This may include delaying payments, paying less than the maximum allowable benefits, or even denying your claim. It is important to have an experienced car accident lawyer on your side who can battle these unscrupulous insurance companies.
Marc Albert has more than 15 years of experience handling uninsured/underinsured motorist claims in the New York City metropolitan area. He knows the complex laws which govern these cases, and he knows the tricks used by insurance companies to unfairly limit your benefits. He will fight aggressively to ensure you receive the compensation you deserve.
Mr. Albert will seek to leverage all potential means of compensation available in order to maximize the value of your claim. This may include collecting any benefits allowed under the at-fault driver’s policy, supplementing these benefits through your uninsured/underinsured motorist coverage, and filing a car accident lawsuit against the at-fault driver for any additional damages you are owed.
If you have been injured in a car accident caused by an uninsured driver, please contact the Law Offices of Marc S. Albert today to schedule your free consultation. Mr. Albert serves clients throughout the New York City metropolitan area from his offices in Queens, Manhattan, and Long Island.