Person driving car

What Happens If I Was Injured by an Uninsured Driver?

Car accidents are frightening and frustrating, often leaving victims with injuries and mounting bills. Should the accident involve an uninsured driver, the stress can be much worse. 

If you’ve been injured in an accident with an uninsured driver, you may still be entitled to financial recovery. For legal guidance, the Kohan Law Group can help.

New York Car Insurance Requirements

In New York, you are legally required to have car insurance. The minimum car insurance coverage is as follows:

  • $25,000 bodily injury protection per person
  • $50,000 bodily injury protection per accident
  • $10,000 property damage protection per accident

While car insurance is a requirement in New York, drivers frequently break the law and drive without insurance. 

Uninsured Motorist Coverage

In addition to minimum car insurance coverage, drivers must have uninsured motorist protection. This type of insurance covers you if the other driver is at fault but doesn’t have car insurance. It also protects you in case of hit-and-run accidents.

Having uninsured motorist protection means you can seek compensation from your own insurance company for your injuries.

File a Claim with Your Insurance

After an accident, regardless of whether the driver is insured or not, you always need to notify your car insurance company as soon as possible.

You can expect the insurance company to ask questions and gather information regarding your accident, which is best handled after consulting with one of our attorneys at Kohan Law Group. 

Your insurance should cover your medical expenses up to your policy limits. For issues getting coverage from your insurer, it is best to seek assistance from a car accident attorney in New York.

Is it possible to sue the uninsured driver for compensation?

If your medical expenses and losses exceed your policy limits, you may be able to sue the uninsured driver for additional financial recovery.

However, recovering damages from the other driver might be challenging, as there’s a possibility they may not have enough assets to provide you with compensation. An attorney can help search for assets, if need be. 

If you require additional recovery after an accident with an uninsured driver, discuss your case with a New York car accident attorney. The lawyers at Kohan Law Group have the experience and resources to determine the best course of action for your case.

What to Do After an Accident with an Uninsured Driver

After an accident with an uninsured driver, you may be confused and unsure of what to do. For best results, consider the following steps.

Call 911

Immediately after your accident, call 911. Request police assistance, and if needed, ask for emergency medical aid on scene and in the emergency room.

Seek Medical Help

Whether you get medical attention at the scene of the accident, always make sure to follow up with a physician. A doctor can assess the extent of your injuries and provide a treatment plan. 

Gather Evidence

If possible, begin collecting evidence right after the accident. This includes:

  • The other driver’s information
  • Photos and videos
  • Witness information

As more information becomes available, like your police report, you can request copies to build your claim. 

Consult with a Car Accident Lawyer

Make sure to discuss your situation with a car accident attorney in New York. A lawyer can review the details of your accident to help ensure you are getting what you’re entitled to for your injuries. 

Contact Your Insurer

As soon as you are able, your attorneys will notify your insurance company of your accident. They will begin the claims process to get you financial coverage. 

A New York Car Accident Attorney Can Help

The Kohan Law Group has extensive experience helping car accident victims throughout New York, including Long Island (Nassau County and Suffolk County). 

We have the knowledge and skills necessary to handle your uninsured driver accident case and help get you the compensation you need for your injuries. Contact us today for a free consultation with one of our qualified New York car accident lawyers.