New York State is one of the few in the country that actually uses a no-fault
insurance system. If you get into a car accident with another person,
no matter who is to blame, you need to get coverage for medical damages
own insurance company. While this might initially make it sound like the odds
are weighted against you, state legislation also permits people to pursue
further damages through civil lawsuits.
This is critical when it comes to a
car accident caused by an uninsured motorist. As uninsured motorist coverage is also
legally mandatory in New York, you will once again have to ask your own
insurance company for coverage
but you should then turn around and hold the uninsured driver accountable
for what they have done by teaming up with a car accident attorney. If
your own insurance company maxes out coverage below what you need, you
can sue the uninsured motorist for the difference. If you are unable to
go to work and collect a full paycheck, your lawsuit can include damages
to cover that difference as well. The appeal of civil lawsuits is that
you are permitted to take control of the situation and seek justice as
you see fit.
Preparing Your Car Accident Claim
Of course, seeking a settlement or a beneficial verdict in court requires
preparation and effort. You need to rely on solid evidence to show that
you were not at fault for the car accident that caused your injuries.
You should prepare your case the moment the collision happens.
Follow these steps if you get hit by an uninsured driver:
Call the authorities: Driving without insurance in New York is illegal and if you just got into
an accident because of an uninsured driver, you can clearly see the consequences
of doing so. Let the police know what has happened so they can remove
the dangerous individual from the streets where they could do more harm.
Call medical responders: You could have sustained serious injuries that you do not feel immediately,
either due to the subtlety of the wound or the adrenaline in your system.
Let EMTs take a look at you. You won’t regret it and you can use
their reports later in your case.
Collect any identifying information: Insurance information is obviously out of the question but there are plenty
of other ways to identify who the uninsured driver is. If they don’t
have a state ID, what do they have? Now is the time to get creative and
write down as much information as you can. Let them know you would also
like to take a photograph of them with your cellphone.
Call an attorney: You have one more phone call to make, and that should be to our New York
City personal injury lawyers at Lurie, Ilchert, MacDonnell & Ryan
LLP. We have the experience and know-how required to build a solid case
against an uninsured motorist. You should also call us before you call
your own insurance company to avoid accidentally saying something to them
that makes you seem liable.
Dial 646.461.4009 for a
free consultation with our team of car accident attorneys in New York City today.