If you were injured in an accident caused by a driver with no insurance, a New York uninsured motorist accident lawyer from Morelli Law Firm may be able to identify your legal options and pursue compensation on your behalf.
We may be able to handle your insurance claim with your own insurance provider and/or a personal injury lawsuit against the responsible driver. Your potentially recoverable damages may include your medical bills, lost wages, and more.
For a no-cost, no-obligation consultation on your case with a member of our team, call Morelli Law Firm today at (212) 751-9800.
Options for Financial Recovery in an Accident with an Uninsured Motorist
When you have been seriously injured in a motor vehicle accident, you expect that the negligent driver will have sufficient insurance to cover your medical care and other losses. Even though car insurance is mandatory for all drivers under New York law, there are some drivers who do not have any coverage at all.
If your accident was caused by an uninsured driver, you may still have options for financial recovery. These may include:
Filing a Claim with Your Own Insurance Company
According to the New York Department of Financial Services (DFS), all drivers in New York are required to carry a minimum of $50,000 no-fault insurance, also known as Personal Injury Protection (PIP). This is the policy you typically go to for compensation first, regardless of fault. Accordingly, even if the driver who caused your accident was uninsured, your PIP policy may cover a portion of your damages.
The DFS also states that drivers in New York are required to carry Uninsured Motorist coverage (UM), which is designed specifically for instances where the at-fault driver has no insurance, is underinsured, or flees the scene as a hit-and-run driver.
Your UM policy may also provide compensation for your damages. Morelli Law Firm can help you file an insurance claim with your own insurance company after an uninsured motorist accident.
Suing the Responsible Driver
For damages not covered by your PIP or UM policies, you may be able to file a personal injury lawsuit against the responsible driver. If you qualify, Morelli Law Firm can coordinate this process on your behalf as well.
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Pursuing Compensation for Car Accident Injuries
Even if you are filing a claim with your own insurance company, you may still need evidence of the accident and your damages to recover compensation.
When we represent you, a New York uninsured motorist accident lawyer from Morelli Law Firm can carefully consider the details of your case in order to:
- Determine what methods of pursuing compensation may be available to you
- Identify who was liable for the accident
- Collect evidence of the responsible party’s liability
- Collect evidence of the extent of your damages
Then, we can file your insurance claim and/or personal injury lawsuit. Morelli Law Firm can also manage all deadlines, communications, and paperwork in your case.
For a free consultation on your case with a member of our team, call Morelli Law Firm today at (212) 751-9800.
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Recoverable Damages in a Car Accident Case
Depending on the details of your accident, your injuries, and what methods of pursuing compensation are available to you, the following damages may be recoverable in a car accident case:
- All current and future accident-related medical expenses
- Loss of income for the time you were unable to work during your recovery
- Reduced earning capability
- Property damage
- Pain and suffering
- And more
What to Do if You Suspect the Driver Has Little or No Insurance
Uninsured drivers put responsible road users at risk. With that in mind, you may wish to take the following steps after an accident with a driver that may be uninsured:
- Try to get the name of the other driver and the make and model of the vehicle. If the driver says that they were driving a work vehicle, then ask for their employer’s details as well.
- Try and get the contact information of witnesses at the scene of the accident.
- If the responsible party refuses to provide insurance details, you can make a formal complaint to the police.
- You need to contact your insurer to report the accident. It is a condition of most insurance policies that all accidents must be reported to the insurance company in a timely manner.
- Keep details of any out-of-pocket expenses you have incurred together with receipts, as you may be asked to prove these losses at a later date.
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The Deadline to Sue in New York
When considering your options after an accident with an uninsured motorist, keep in mind that there is a time limit for filing a personal injury lawsuit in New York. Per NY Civil Practice Law & Rules (CVP) § 214, there is a general three-year statute of limitations on personal injury lawsuits.
If you wait too long and let the deadline in your case expire before taking legal action, you may be unable to recover compensation via a lawsuit.
Contact Morelli Law Firm Today
If an uninsured motorist caused an accident that has resulted in injuries, hospital bills, and other damages, you may feel stressed and uncertain about your financial options. Fortunately, you do not need to face this situation alone. A New York uninsured motorist accident lawyer from Morelli Law Firm can fight for compensation on your behalf when we represent you.
For a free consultation on your case with a member of our car accident team, call Morelli Law Firm today at (212) 751-9800.
We may be able to provide you with representation on a contingency-fee-basis. There are no upfront payments required in this arrangement. Instead, we collect our attorney fees if and when you win your case and recover compensation via a settlement offer or court award.