Protecting Yourself Against Uninsured Motorists

Although there are legal requirements in 49 states, many drivers in the US do not have automobile insurance. Approximately 1 out of 8 drivers does not have car insurance, and if you are involved in an automobile accident with one of these uninsured motorists, you could be faced with a huge financial debt from personal and property damage. Some states require that insurance policies contain uninsured motorist coverage and include it in every policy. There are three basic kinds of protection for uninsured motorist coverage. These are:

  • Uninsured Motorist Insurance, also known as Uninsured Motorist Bodily Injury (UMBI) insurance – This type of coverage will pay for your and your passenger’s medical bills if you are involved in a car accident with an uninsured, at-fault driver. It also covers lost wages for you and your passenger and provides coverage if you are a pedestrian who is hit by an uninsured motorist or the victim of a hit and run accident.
  • Uninsured motorist property damage (UMPD) coverage – This type of uninsured motorist insurance will cover bodily injury but will not cover property or vehicle damage. To buy this, you must first have UMPD coverage which covers damages to your vehicle caused by an uninsured driver and damage to other personal property such as a fence or your house.
  • Underinsured Motorist (UIM) coverage – This type of coverage applies when the at-fault driver has liability insurance, but the policy fails to cover the full extent of the damage to your vehicle.

The best way to protect yourself is to buy uninsured or underinsured motorist coverage. It will take the place of an at-fault driver’s inadequate or missing insurance coverage. This is an important feature since your own liability insurance may not pay for injuries to you or your passengers if you are not at fault. Without insurance, you may have to pay for your losses or go to court to sue the other driver for damages.

If you have been involved as a pedestrian or motorist in an accident and have suffered serious injuries and property damage, you will need an experienced and skilled attorney to assist you in recovering compensation. The attorneys at Jacoby & Meyers, LLP NY have been helping individuals just like you for decades and we know exactly what to do. Call us at 877-504-5562 or email [email protected].

Dear friends and clients,

In furtherance of our firms culture of commitment to always act with compassion, concern and commitment to our clients, community and colleagues, we have been taking precautions to ensure that we are still fulfilling our ethical and moral obligations while prioritizing health, wellness and safety of all we can. 

As you know, the COVID-19 pandemic has introduced changes to many lives and businesses in our communities, and around the world. We, much like our neighbors and friends, have been taking precautions to ensure that we are still fulfilling our ethical and moral obligation to our clients, while also prioritizing the health, wellness and safety of our employees.

Until further notice, our offices will be closed to the public to encourage social distancing and to help prevent the spread of COVID-19. Our team is still hard at work, many from home, and you may still call, email, live chat or video conference us if you or a loved one is seeking legal assistance. As the first law firm to offer our clients secure online access to their case file more than a decade ago, we have always been believers in using technology to make life easier and information more accessible. In these present times it has been a smooth transition for us to continue to offer our clients the same seamless and thorough service that you deserve and are accustomed to.

This pandemic is unlike anything any of us have faced in our lifetimes, and while we can continue to emotionally support one another through it all, staying home and keeping your distance is vital to the health and wellness of our communities. It does not feel good to break routines, cancel events and retreat from our normal, day-to-day socializing, but let us remember that, in times of strife, prior generations were asked to go to war and we are simply being asked to stay home. Your isolation equals more lives saved, and more time for medical providers to prepare for the treatment of patients battling COVID-19.

When the dust settles, we will join together with a greater appreciation for our lives, local businesses, loved ones and health. Until then, we will continue to offer guidance from a safe distance.

Very truly yours,

Andrew G. Finkelstein and the staff of Jacoby & Meyers, LLP