Experienced Bronx Uninsured Motorist Claims Lawyers

The aftermath of a New York car crash can be confusing and overwhelming, especially if the other driver lacks insurance or doesn’t have much coverage. You may fear that you won’t be able to get the relief you need. In such a situation, it is critical to understand your rights and options. Turn to our Bronx uninsured motorist claims attorneys at the Law Offices of Mark B. Rubin for the guidance and support you need. With nearly 100 combined years of experience, our team helps individuals throughout the New York City area pursue claims related to accidents caused by uninsured or underinsured drivers.

What Is The Difference Between UM and UIM?

After an auto accident with a driver who lacks adequate insurance, you may be able to file an uninsured motorist (UM) or underinsured motorist (UIM) claim:

• Uninsured motorist: This applies to hit-and-run accidents or accidents in which the other driver has no insurance. New York requires all drivers to carry this coverage. The minimum limits under state law are $25,000 per person and $50,000 per accident, though additional coverage can be purchased.
• Underinsured motorist: This applies to accidents in which the other driver has insurance, but their policy limits cannot fully reimburse your losses. In New York, insurers are required to offer you such coverage under supplemental uninsured/underinsured motorist (SUM) coverage, but you can choose to waive it.

UM and UIM claims are both ones you file with your own insurance company. The exact claims process depends on claim type and the specifics of your policy. Our Bronx car accident attorneys can guide you through every step and deadline, with personalized support.

What Compensation Is Available In UM/UIM Claims?

In New York UM/UIM cases, you can seek compensation for medical expenses and lost wages that exceed your personal injury protection (PIP) benefit limits (as well as the other driver’s coverage limits in the case of UIM claims). Unlike PIP, you do have to prove fault in a UM or UIM claim. Pain and suffering damages may also be available. However, this is only the case if you meet the state’s serious injury threshold. Our Bronx car accident lawyers can provide you with honest explanations of what benefits you would likely qualify for. They then help you with all aspects of your claim, including standing up for your rights in arbitration or other legal processes if your insurer denies or undervalues the claim.

Contact Our UM/UIM Lawyers Today

Let us stand up for you after an uninsured/underinsured motorist accident. Call us at 718-231-1515 or reach out to us online for a free consultation.