A motor vehicle accident can be a huge disruption to your life, causing property damage, lost wages, and painful injuries that can put you out of commission for a long time. As the shock of impact wears off and you regain your bearings, the last thing you want to hear is that the driver that hit you does not have adequate insurance – or worse, does not have insurance at all. If you have found yourself in this situation, you may be wondering who will pay your bills. If the other driver doesn’t have enough insurance, are you stuck paying your own expenses for an accident you didn’t even cause? Thankfully, there are options available to protect you from this injustice.

If you have been injured in a collision with an uninsured or underinsured motorist, you need an advocate on your side who can ensure that your rights are protected and handle the complications of dealing with your insurance company on your behalf. You need a New York City car accident lawyer from Lurie, Ilchert, MacDonnell & Ryan LLP in your corner.

Reasons to trust our team of world-class advocates include:

  • More than $500 million recovered in verdicts and settlements
  • 100% dedication to representing plaintiffs
  • More than a century’s worth of combined legal experience
  • Listed among the Top Trial Lawyers in America

If we are not successful, you will not pay us a dime. Contact us online today to get started.

Can I File a Claim Against an Underinsured Driver?

The state of New York operates under a no-fault system, meaning that injured parties are required to seek compensation under their own personal injury protection (PIP) coverage. In the event that the cost of your injuries should exceed the limits of your PIP coverage, you may file a civil claim against the insurance company of the at-fault driver. Unfortunately, not all drivers obey New York’s compulsory automobile insurance laws. In these situations, your options to pursue compensation are either to file a civil claim against the at-fault driver in hopes that they have the money to pay for your losses or to file a claim under your own policy’s UM/UIM coverage.

UM/UIM insurance can help pay for the following:

  • Medical bills
  • Vehicle repairs
  • Rehabilitation costs
  • Lost wages

The process of actually collecting these benefits can be much easier said than done. Even if you have been a paying customer for years, your insurer may do everything within its power to minimize or even deny your claim. Our New York City car wreck attorneys understand how insurance companies work and can use this knowledge to your advantage. From gathering records to examining the cause of your crash, we will keep you fully informed and help you rest easy knowing that your rights are protected.

Discuss Your Claim with Us for Free

As soon as you find out that the driver who caused your crash is not insured, contact our New York City car accident lawyers right away. We can advise you on the most appropriate course of action and minimize your chances of being stuck with the full financial burden of your crash. Most importantly, we will never make more money than you do, and we will not charge you a cent for our services unless we recover money for you.

Fill out an online form today to schedule your complimentary case review, or call our office anytime. We’re available 24/7.