According to the National Highway Traffic Safety Administration, in 2015,
there was a total of 1,121 car accident fatalities in the state New York
alone. In fact, car accidents are one of the leading causes of death and
injury in the United States. Part of the reason people carry car insurance
is to avoid costly medical bills and car repairs in the event they
do get into an auto accident.
All states require people to drive with car insurance to cover the cost
of any injury and damages in case of an accident. New York is no different.
If you’re caught driving without insurance in New York, it is considered
a criminal offense. All New York drivers must have a policy with the following
- Property damage — $10,000 per accident
- Basic personal injury protection — $50,000
- Bodily injury — $25,000 per person up to $50,000 per accident
- Uninsured motorist bodily injury — $25,000 per person up to $50,000
Unlike other states that only require insurance companies to offer uninsured
motorist coverage, New York actually compels drivers to take out insurance
in the event they get into a collision with someone uninsured.
However, while you may be insured against someone who’s uninsured,
if you have the minimum coverage possible, this may not be enough to cover
the extent of your injuries and damages. If your car was new prior to
the accident and cost around $30,000, that $10,000 will not be enough
to cover getting a new car. Likewise, if you had multiple passengers in
your vehicle, and your insurance is covering the bulk of the property
damage in addition to medical bills, you will run out of money before
you know it.
Medical bills can be exorbitant. If the cause of your accident has no insurance,
you may be left with no other choice than to sue him or her for the remainder
of the damage. If you find yourself in this situation, don’t hesitate
to call us. Ivey Barnum & O’Mara, LLC is extremely experienced
in helping people and their families obtain justice after being injured.
One of our attorneys, John Q. Kelly, is nationally recognized as one of
the most battle-hardened personal injury representatives in his field. Let our
skilled Greenwich personal injury lawyers take a look at your case.
Contact us at (203) 718-4002 or fill out our online form to schedule your free consultation
today. Our team is available 24 hours a day, and we help people throughout
Fairfield County, CT, Westchester County, NY, and New York City. Make
sure you’re not paying the price for someone else’s negligence,
particularly if they were irresponsible enough to lack insurance prior
to the accident. When our lawyers are retained on serious car or truck
accidents, we immediately try to preserve all evidence available from
the crash location to assist in the case. Call us as soon as possible
so we can get started on your case.