Filing an Uninsured Motorist Claim in New York: What You Should Know
Being involved in an accident with an uninsured driver can be extremely stressful. Unfortunately, this is a reality that many people find themselves in. According to the Insurance Information Institute (III), in 2023, 8.6% of motorists in New York were uninsured. Luckily, uninsured motorist (UM) coverage is a required component of every auto insurance policy in New York, so you can turn to your insurance company for compensation after being involved in an accident with an uninsured driver. Understanding how to file a UM claim and what to expect can help you recover medical expenses, lost wages, and other damages without unnecessary delays.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage offers financial protection if you suffer injuries in an accident caused by a driver who lacks liability insurance. In New York, the law requires that this coverage meet the minimum bodily injury limits of $25,000 per person and $50,000 per accident.
UM coverage also applies in hit-and-run accidents, allowing you to seek compensation even when the at-fault driver cannot be located or identified. This coverage guarantees that you are not left to shoulder the entire burden of injuries resulting from someone else’s negligence.
Steps To Filing a UM Claim in New York
If you’re injured by an uninsured driver or a driver who cannot be located or identified, here are the steps to take:
- Report the Accident Immediately
Immediately after the accident, contact the police and ensure an official report is created. An official police report can be used as evidence.
- Seek Prompt Medical Attention
Get a medical examination as soon as possible, even if you feel “fine.” Seeking prompt medical attention creates vital documentation for your injuries.
- Gather Supporting Evidence
To file an UM claim, you must provide your insurer with evidence of fault and damages. Evidence you should consider gathering includes the police report, medical records, witness statements, photographs of the accident scene and vehicle damage, and any documentation of treatment expenses and lost wages.
- Inform Your Insurance Company
Contact your insurance company to report the accident and begin the UM claims process. If you don’t report your accident in a timely manner as per the policy guidelines, you may be denied coverage.
- Consult an Attorney
Uninsured motorist claims can be complex. An experienced auto accident attorney can help you navigate the claims process, ensure your rights are protected, and advocate for fair compensation. Legal guidance can be especially valuable if your claim is disputed or denied or if your insurance company offers a settlement that does not cover all your damages or losses.
Statute of Limitations for UM Claims
A vital requirement when filing an UM claim in New York is to do so before the statute of limitations expires. New York generally gives you three years from the accident date to file your UM claim. Filing a claim after this period could bar you from recovering compensation.
Acting quickly after an accident can ensure compliance with deadlines, allow for more accurate documentation of injuries and damages, and significantly increase your chances of recovering your deserved compensation.
Contact a Long Island Car Accident Lawyer
If an uninsured or hit-and-run driver has injured you, don’t navigate the claims process alone. Contact our skilled Long Island personal injury lawyers at Jacobson Law for help understanding your rights and fighting for the compensation you deserve.
Source:
iii.org/fact-statistic/facts-statistics-uninsured-motorists