A car crash can be a painful, distressing, and extremely costly experience. However, auto insurance can make it easier for you to financially recover in the aftermath.

Even if you have excellent insurance, you can’t account for the fact that the other driver may not have been insured at all. Your insurance company will likely pay their share, but it may not be enough to cover all of the damages and medical bills you’ve experienced as a result of the crash.

That’s why, if you or someone you love has been involved in a car crash in New York State, please know that you may have a personal injury case. The experienced New York City personal injury attorneys at Schwartzapfel Lawyersare ready and able to fight for you to get you all the money and benefits you’re entitled to. Call us now at 516-342-2200 for a free consultation and/or case evaluation.

One call today can save you miles of headache, heartache, and financial strain down the road. So, please, don’t wait until it’s too late. Act now and have Schwartzapfel Lawyers fight for you!

What Is Uninsured Motorist Coverage?

Almost every state requires a minimum level of automobile insurance for every driver. In point of fact, only New Hampshire and Virginia do not require drivers to carry car insurance. In this way, New Hampshire has the most relaxed driving laws, while Virginia drivers need only pay a one-time uninsured vehicle fee in order to legally operate on their roads. That said, other states allow drivers to carry a minimum amount of coverage that often scratches the surface of the damage they might cause during a car crash.

In states like California, Florida, and Rhode Island, for instance, uninsured motorist coverage is optional. Then, in states like Illinois, drivers are required to at least have bodily injury liability coverage. Finally, in six (6) states as well as the District of Columbia, drivers must carry both bodily injury liability coverage and property damage coverage for uninsured drivers.

What Is The Difference Between Uninsured Motorist Coverage And Underinsured Motorist Coverage?

Uninsured motorist coverage (UM coverage) is designed to replace the insurance contributions that an uninsured driver’s insurance coverage would make. Underinsured motorist coverage (UIM coverage) compensates for drivers who don’t have enough insurance through their normal auto insurance policy to fulfill your insurance claim.

UM coverage is often bundled with UIM coverage. You almost never need to obtain them separately. Double-check with your insurance policy to make sure they come together.

For more on this and related topics, call Schwartzapfel Lawyers now at 516-342-2200 or visit us online to schedule your free consultation today. No matter your situation, it will be our honor and privilege to fight – and win! – for you.

Why Do I Need Uninsured Motorist Coverage?

Car accidents are different from workplace accidents. Workplace liability insurance can cover most types of workplace incidents where someone is injured or something is broken. Car insurance policies are far more specific.


Many car insurance policies leave a lot to be desired. You may have a high deductible for damage to your vehicle. You may not have enough personal injury protection coverage to cover medical costs for you or your partners if you’ve been seriously hurt in the accident. Your car insurance company is counting on you to get the rest of the money you need from the other driver, but what if they don’t have the funds?

Uninsured or underinsured motorist coverage protects you in the event that you can’t recover damages from the other driver. Rather than being forced to pay the rest of your expenses out of pocket, you can use your additional coverage to make up the difference. Financially rebounding from a car wreck with an uninsured or underinsured driver is a lot less stressful when you have insurance coverage for that exact situation.

What Happens If I Don’t Have Uninsured Motorist Coverage?

If you don’t have uninsured motorist coverage and you get into an auto accident or crash with an uninsured or underinsured driver, the outcome can be very expensive. It can take an insurance company a while to pay out what they owe, but it can take even longer to file a legal claim against an uninsured driver or their insurance for damages.

Uninsured motorist coverage can help you manage some of the financial stress you may experience after a car crash. If you don’t have uninsured motorist coverage, you may struggle to meet medical and transportation costs even after your insurance pays out what they owe you.

Ideally, you shouldn’t have to endure added hardship while awaiting a personal injury settlement. The experienced New York City personal injury attorneys at Schwartzapfel Lawyersare prepared to fight for you every step of your car crash case. Call us now at 516-342-2200 for a free consultation and so much more. In the meantime, your uninsured or underinsured motorist coverage should help you get by while you’re waiting for the financial compensation you deserve.

Do I Need Uninsured Motorist Coverage?

As mentioned, certain states require drivers to carry either uninsured motorist coverage or a combination of uninsured and underinsured motorist coverage. Now, it may seem unfair that you should have to pay for an insurance policy that specifically exists to make up for the fact that someone else doesn’t have adequate insurance, but that’s the law.

Uninsured motorist coverage is sometimes bundled with underinsured motorist coverage. Double-check with your insurance company before you add them to your policy. You may need to add them separately. There may be a discounted rate for adding both types of coverage to your existing policy.

Note: Rates for uninsured and underinsured motorist coverage can vary from state to state and between policy providers. That said, most people spend somewhere between $50 and $300 a year on uninsured motorist coverage when they add it to their auto insurance plan.

What Are The Different Types Of Coverage For Uninsured Motorists?

Typically here, there are two (2) types of coverage: uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage. Moreover, any auto-related insurance policy should include separate coverage, rules, and restrictions for both damage to your car and injuries you sustain.

The reason for the split is so that people can choose the amount of coverage they want in each area. Someone with excellent health insurance may not feel the need to purchase an extensive amount of bodily injury coverage. Someone with an older car in less-than-great condition may not want to pay high premiums on insurance for a vehicle they intend to replace in the near future.

Uninsured/Underinsured Motorist Bodily Injury (UMBI/UIMBI)

Bodily injury coverage is personal injury protection that can be used for medical expenses incurred as a result of a car crash. Underinsured or uninsured motorist bodily injury coverage extends to you and anyone else who was in the vehicle with you.

You can use bodily injury coverage whether or not you have health insurance. Your health insurance can combine with bodily injury coverage to pay for the total cost of medical treatment for yourself but not your passengers. Your passengers can still benefit from your bodily injury coverage and combine it with their own health insurance.

Uninsured/Underinsured Motorist Property Damage (UIMPD/UMPD)

Underinsured or uninsured motorist property damage coverage pays for car repairs. Property damage coverage refers to damage to your vehicle. If you get into a car crash with an uninsured or underinsured driver, your property damage coverage can be used to repair or replace parts of your vehicle that were damaged during the collision.

For more on this at no cost, call Schwartzapfel Lawyers at 516-342-2200 now. Alternatively, you can schedule your free consultation online today.

Does Uninsured Motorist Insurance Cover Hit-And-Run Accidents?

In short, it depends. Some states don’t allow drivers to file uninsured motorist claims for hit-and-run crashes if the at-fault driver isn’t identified. In these instances, insurance companies technically won’t know if the driver was uninsured while a case is ongoing. As a remedy, your collision insurance or “collision coverage” may cover damages caused by a hit-and-run driver.

Relatedly, it’s important to remember that leaving the scene of an accident is a crime. State laws vary from misdemeanor to felony charges for a hit-and-run. If you were involved in a hit-and-run crash or if you returned to a parking lot to find your car significantly damaged, you need to report the incident to law enforcement and follow their instructions. If they’re able to locate the driver who committed the crime, they may prosecute.

As the victim of a crime, your options for reimbursement or financial compensation may be different. Some states, for instance, have personal injury protection funds for people who are injured in crimes like hit-and-runs. For assistance, you can ask your personal injury attorney about the options available to you — legal, financial, and otherwise.

Have You Been Involved In A Car Crash?

If you or a loved one has been involved in a car crash, please know that you may be entitled to compensation to cover medical payments, lost wages, vehicle damage, and beyond. Moreover, if the at-fault driver was uninsured or underinsured, their lack of preparation shouldn’t cost you thousands of dollars.

To that end, the award-winning New York State personal injury attorneys at Schwartzapfel Lawyersare ready and able to fight your case. With more than (150) years of combined experience, we treat each client as family — because they are. To learn more now, simply dial 516-342-2200 or schedule your free consultation online today.

If you’re entitled to financial compensation, there’s no reason to wait. Get the money and benefits you need to pay off your medical bills so that you can heal physically, financially, and otherwise. Call now!

DISCLAIMER: Nothing on this page should be considered legal advice. You should seek the appropriate counsel your situation requires. For more information, call 516-342-2200 now!

Sources:

Schwartzapfel Lawyers, P.C. | Fighting For You

MOTOR VEHICLE FINANCIAL RESPONSIBILITY IN NEW HAMPSHIRE | OLR Report

Insurance Requirements | Virginia Department of Motor Vehicles

What You Should Know About Auto Insurance Coverage | National Association of Insurance Commissioners

Traffic Data – Leaving the Scene | NYPD

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