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Uninsured Car Accident Lawsuits in Brooklyn| Law Office of Irene H. Gabo, P.C.

 In Blog, Law

Uninsured Motorist Issues: Dealing with Car Accidents in New York

Getting into a car accident is a stressful event, particularly if it occurs in bustling Brooklyn, NY. The anxiety and confusion can magnify when you discover the other party involved does not carry insurance. So, what happens if you’re involved in a car accident in New York and the other party lacks insurance? Let’s dig into your options and the protections provided by New York state law.

The Reality of Uninsured Motorists in New York

New York is a no-fault insurance state. This means regardless of who caused the car accident,your own auto insurance policy should cover your medical expenses up to a certain limit. However, if the other party is uninsured, recovering damages for property may become a tricky issue.

Despite strict laws, an estimated 5-10% of drivers in New York are uninsured -a reality that can lead to complicated and frustrating situations post-accident.

Tapping into Your Uninsured Motorist Coverage

Good news forBrooklyn residents and others across New York:state law requires all vehicle insurance policies to include uninsured motorist coverage. This clause provides protection when an uninsured driver is at fault in an accident. You can make a claim under this clause for bodily injury compensation.

However, this uninsured motorist coverage usually doesn’t cover property damage. Dealing with property damage claims can be particularly complex if the at-fault party has no insurance.

Suing the Uninsured Driver: Is that an Option?

Perhaps you’re considering your legal options? It isn’t unheard of to bring a lawsuit against the uninsured motorist responsible for the accident. This may be an option to consider, especially if your medical expenses and property damage exceed your own insurance coverage.

But it’s crucial to bear in mind individuals driving without insurance oftentimes have little to no assets. This makes the likelihood of recovering significant compensation slim. A lawyer with a comprehensive understanding of New York law can guide you through this process.

The Role of Collision Coverage

You might have additional protection if you carry collision coverage on your own vehicle insurance policy. Collision coverage helps pay for your car’s repair or replacement, regardless of who was at fault in the accident -including uninsured drivers.

While this might necessitate paying a deductible, it could provide some relief in dealing with uninsured motorists and ensuring your property damage is addressed promptly.

In unexpected and stressful situations like car accidents in Brooklyn, it’s important to understand your rights and options under the laws of New York. Dealing with an accident where the other party doesn’t have insurance is a convoluted affair that may benefit from professional help.

If you find yourself in such a situation, don’t hesitate to reach out. The experienced attorneys at the Law Office of Irene H. Gabo, P.C. are well-versed in New York accident law. Contact us today at (800) 560-0214 for a free consultation. Our team will work tirelessly to guide you through this difficult time and seek out the compensation you deserve.