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Uninsured and under insured motorist accidents

Variables in Receiving Compensation after a Motor Vehicle Accident

 

If you’ve been involved in a car accident caused by another driver’s actions, it’s normal to feel some degree of frustration. One can only hope that if they find themselves in such a situation the other driver’s insurance policy is adequate enough to cover the costs of recovery. Unfortunately this isn’t always the case.

State Laws Vary

Each State has individual auto insurance requirements for drivers. In some states, like New Jersey, bodily injury liability coverage is not included in a basic policy. Moreover a basic policy generally only covers $5,000 in property damage liability. This means that if you’re involved in a wreck in the State of New Jersey, the other driver’s insurance policy may only cover a fraction of your costs (if any).

In New York the minimum auto insurance plan must cover: no fault, liability, and uninsured motorists. This means that if you’re involved in a crash and the other driver is either uninsured or underinsured your costs will be covered by your insurance policy.

Un-insured and Underinsured DriversCreate Complications

Driving without insurance, or with a policy too minimal to cover the costs of an accident may seem foolish but according to statistics 1 in 8 drivers are uninsured. The process of collecting compensation from an uninsured driver is often complicated and usually involves going through the court system.

Being involved in a car crash is complicated, being involved in a crash with an uninsured or underinsured driver is extremely complicated. Our team of legal professionals at Jacoby & Meyers have successfully represented auto accident victims in New York and in New Jersey through challenging cases for over 50 years.

What to do if You’re Involved in a Car Crash

If you’ve been involved in a car crash with an underinsured driver or un-insured driver, find the answers to your questions, don’t make assumptions. Although it appears your options are limited you may be surprised to find (depending on your situation) additional compensation is available.

Contact the Personal Injury Attorneys at Jacoby & Meyers

  • Contact apersonal injury attorney. Please fee free to call our new case hotline 24-7 or fill out a free case evaluation form.
  • Take the steps to contact an attorney sooner than later, unfortunately statues of limitations can affect your ability to claim compensation.