Uninsured and underinsured motorist insurance can provide extra protection for drivers injured in an accident. Typically, Personal Injury Protection (PIP) covers you for accident-related injuries. However, this coverage may not cover medical and other costs in the event of extensive injuries. Talk to an agent at Access Legacy Insurance Group in Brooklyn, NY, regarding your uninsured and underinsured motorist coverage options.
How Does Uninsured and Underinsured Motorist Coverage Work?
If your medical bills exceed your personal injury insurance coverage, you may have to sue the at-fault driver. However, if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your personal injury cost, you may pay the balance out of pocket.
Although every policy works differently, UM/UIM insurance typically kicks in after personal injury insurance has been depleted and you have received any compensation from the other driver’s personal injury insurance. However, if the other driver isn’t insured it doesn’t have enough insurance to cover your personal injury expenses, your UM/UIM insurance may kick in earlier.
New York insurance law § 5217 also specifies that uninsured motorist coverage will cover drivers who are victims of a hit-and-run collision.
Uninsured Drivers
By law, all drivers in New York must carry auto insurance. However, many people drive without it for one reason or another. If an uninsured driver causes an accident and you are injured, uninsured or underinsured motorist insurance will cover your medical expenses.
Contact Us Today for a Quote
Would you like to understand better uninsured and underinsured motorist insurance coverage in New York? Reach out to the Access Legacy Insurance Group team in Brooklyn, NY. We would be happy to schedule an in-person meeting to provide a quote. Our pros can help you understand your current coverage handles and make recommendations on UM/UIM coverage.
