Katz Lawyers, in New York City, is recognized among the leading traffic law firms serving clients throughout New York City and the state of New York. If you have been injured in a motor vehicle accident involving an uninsured or underinsured motorist (UIM), call us right away. Over the past 15 years, we have helped numerous clients recover money damages from their own personal injury protection (PIP) insurance policies and UIM insurance riders they carry on their coverage.
New York State Law Regarding Car Insurance Coverage
Under New York state law, drivers are required to carry a minimum of $50,000 of personal injury protection (PIP) coverage on each vehicle registered for the road. Drivers and passengers injured in a motor vehicle accident must first apply for compensation from their own PIP policies. After the injured parties have reached their own PIP coverage limits, they are allowed to sue the insurance company of the responsible driver for the additional compensation. Unfortunately, a high percentage of drivers in New York are driving without auto insurance or do not carry enough liability insurance to cover the full amount of damages that often result from a personal injury claim. That is why UIM insurance is so important.
Tapping Into Your Own UIM Insurance
Many drivers purchase a special UIM coverage rider on their auto policy, to insure against drivers who fail to carry enough insurance. Unfortunately, filing a claim against your own UIM policy is likely to be as challenging as filing a claim against the other driver's insurance. Although you may be a good customer for years, you will suddenly be considered a claimant and the insurance company will do all it can to minimize or deny your claim.
Katz Lawyers understands how New York insurance laws work, as well as the strategies insurance companies use when facing a UIM claim from a policyholder. We will handle everything, from gathering records and reports to negotiating with your insurance company. Throughout your case, we will keep you fully informed and you can trust that we are fighting for the full and fair compensation you are entitled to.
Call Us First
As soon as you discover the other driver was not insured or was underinsured, call our offices in Manhattan at 646-835-2330 or Staten Island at 718-876-8105 or contact us by email to arrange an initial consultation. Our personal injury attorneys represent clients throughout New York state.