New York state law requires all motorists to carry liability insurance minimums of $25,000 for bodily injury to an individual, $50,000 for bodily injury per collision, and $10,000 for property damage per collision. Unfortunately, not everyone abides by these mandates. If you were in an automobile accident with an uninsured motorist, Stephen B. Kaufman, P.C., in the Bronx, NY, will help you explore options for recovering compensation. This experienced personal injury attorney shares potential approaches to handling the situation.

3 Ways to Deal With an Automobile Accident With an Uninsured Driver

No-Fault Coverage

In addition to the minimum liability insurance, New York drivers must have at least $50,000 in no-fault coverage. If you have a collision with an uninsured motorist, you can file a claim with your provider under this provision. It will compensate you for the cost of hospital care, prescription medication, diagnostic tests, and rehabilitation as well as lost wages. However, it will not cover pain and suffering or property damage.

Uninsured Motorist Insurance

Although uninsured motorist protection is optional in New York, you should purchase it in case you face this scenario. Depending on your policy, uninsured motorist insurance could provide compensation for personal injuries, property damage, or both in the event of a crash with a driver who lacks coverage.

Collision Coverage

This plan will compensate you for property damage resulting from a crash with an uninsured motorist but will not cover expenses for medical treatment. To ensure you have comprehensive protection in the event of an accident with an uninsured driver, complement your no-fault insurance with collision coverage.  

Accident claims involving uninsured motorists are complicated, so it helps to have a seasoned negotiator by your side. If you need to file a claim after an automobile accident, turn to Stephen B. Kaufman, P.C., in the Bronx, NY. Visit the firm’s website to learn more about their compassionate personal injury law team and call (718) 822-0500 to schedule a case evaluation. Like them on Facebook and follow them on Twitter for more legal tips from the practice.