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Uninsured and Underinsured Motorists

Uninsured and underinsured motorist coverage provides reimbursement to policyholders in a car accident involving an uninsured, underinsured or hit-and-run driver. Several states including New York have mandatory requirements for uninsured or underinsured motorist coverage.

Underinsured Motorists AttorneyAccording to a 2014 study by the Insurance Research Council, about 12.6 percent of motorists, or about one in eight drivers, nationwide, is uninsured. In New York State, about 6 percent of drivers are uninsured. There are many more drivers who are underinsured or do not have sufficient liability insurance coverage to compensate for all of the losses incurred by other parties in an auto accident.

Importance of Uninsured and Underinsured Motorist Coverage

If you are in a car accident and the other driver is at fault, your uninsured motorist coverage will help protect you if the other driver does not have car insurance. If the driver who is at fault for the accident has some auto insurance, but not enough to cover all your damages and losses, then, the underinsured motorist coverage under your policy can cover the difference between your bills and expenses and the driver’s coverage up to the limits of your policy.

So, while liability insurance provides coverage for others if you are at fault for an accident, it is uninsured and underinsured motorist coverage that actually protects you and your family. This is also the clause in your insurance policy, which covers your losses in the event of a hit-and-run accident. This is why it is crucial to ensure that uninsured and underinsured motorist coverage is included as part of your comprehensive auto insurance policy.

Understanding UM/SUM Coverage

In New York State, auto insurance companies are required under the law to provide you with coverage for uninsured motorists. The minimum amount of uninsured motorist coverage is $25,000 for one person and $50,000 for two or more people injured in a crash. In addition to uninsured motorist coverage, New York drivers also have the option to buy Supplemental Uninsured Motorist (SUM) coverage, which is equal to the amount of liability insurance they carry. This can be up to $250,000 per person or $500,000 for two or more people injured in a crash, or even higher limits may be available.

Uninsured and underinsured motorist insurance typically offers coverage for bodily injury. In addition to injuries to the driver, the bodily injury portion of the uninsured and underinsured motorist coverage may cover injuries to passengers or family members traveling in the vehicle at the time of the crash.

SUM provides an important layer of protection for you and your family. In New York, there is a high probability of being involved in a crash with an uninsured driver. There is an even higher probability of encountering an underinsured driver, who may be carrying only the minimum amount of liability coverage, which is $25,000. If you and/or your passengers have suffered a serious injury in a car accident, $25,000 will be absolutely inadequate to cover all your losses.

Pedestrian and Bicycle Accidents

Many people may not realize that their uninsured motorist policy can cover them in a variety of auto accidents. For example, if a pedestrian or bicyclist has been struck and injured by an uninsured driver, the uninsured motorist coverage of the victim’s auto insurance policy would compensate them for their injuries, damages and losses. Supplemental Uninsured Motorist coverage or SUM also covers any relative who lives in the household of the insured or anyone named on the auto insurance policy. In New York State, motorists can get Uninsured Motorist or Supplemental Uninsured Motorist benefits equal to but not greater than their liability insurance.

An experienced New York City personal injury lawyer will be able to help injured victims in such cases recover fair compensation by negotiating and/or litigating with the insurance company and helping them avoid some of the potential mistakes that could adversely affect or kill their injury claims. If you or a loved one has been injured in an auto accident, it is crucial that you file a report with your insurance company as soon as possible, and it is best that you have your personal injury lawyer do that for you.

Contacting an Experienced Lawyer

If you or a loved one has been injured in an auto accident involving an uninsured or underinsured driver, the experienced New York personal injury attorneys at the Law Offices of Kenneth A. Wilhelm can help you better understand your legal rights and options.

Please contact us TOLL FREE 24 hours a day, 7 days a week at 1-800-WORK-4-YOU (1-800-967-5496). WE CAN EVEN COME TO YOU. There is no attorneys’ fee unless we recover money for you. We can also help with personal injury cases in New Jersey, Connecticut, Pennsylvania, or Florida. If you have been seriously injured in any of the 50 U.S. states, please call us and we will try to help you with your case. We have recovered many millions of dollars for victims of motor vehicle accidents.

Other TOLL FREE phone numbers for us are:

1-800-RADIO-LAW, 1-888-WYPADEK, OR 1-800-LAS-LEYES

Please visit us at: www.WORK4YOULAW.com

Client Testimonials

Mr.Wilhelm and Mr. Ginsberg really care about representing people who might otherwise not be represented. They come to your home, if you are unable for whatever reason to meet with them in their office. That is a rare thing in this day and age. ... They do excellent work and try their utmost to achieve a positive outcome.read more
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I have worked as appellate counsel and of counsel to Mr. Wilhelm for 25 years. Mr. Wilhelm's firm always does an extremely thorough job of working up each client's case in order to optimize the chances of maximum recovery. The Wilhelm firm... zealously litigates their clients' claims and, if necessary, will take a case to trial and on appeal to ensure that their clients get the best results possible under the law.read more
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Mr. Wilhelm was very helpful and caring the whole step of the way. Also very efficient in handling my case which was very difficult. I could not thank him or his staff enough for their support.
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I met with an accident and my leg was broken. My friend suggested me to consult Kenneth A. Wilhelm's law firm as my medical bills was more than the coverage limits of the responsible party. Mr. Wilhelm was very friendly and kept me informed about... the case progress and the case outcome was exactly what we expected.read more
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Joni Cicerale M.
When my daughter was burned in an accident, my husband and I looked for a good lawyer who specialized in burn cases. My husband found Mr. Kenneth A. Wilhelm, and we called him and met with him. He told us he would do whatever he could for our... daughter, and he did! We were very pleased with the work Mr. Wilhelm did for our daughter, and we are glad we chose such an excellent lawyer. We would choose his services again if we had to, and I would recommend his services to my family, friends, or anyone who has need of a lawyer. My daughter is doing well because of him.read more
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My son was born prematurely, and I trusted the doctors and hospital to get him through the first few weeks and out of danger. The doctors made some mistakes in their procedures and my son is now injured for life because of their mistakes. I didn't... know what to do. I hired Ken Wilhelm's law office because I heard from someone that Ken Wilhelm is the best. He and his attorneys held the hospital responsible for their errors. We received a very large settlement. It doesn't fix my son's suffering but I feel that my attorneys helped me get what my family deserved for our hardship.read more
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I have known Mr. Wilhelm for the past 12 or more years. He represented me for different problems that I had, and he was very successful. I have no problem in recommending him to my friends and neighbors because he is an honest and reliable attorney.
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I have been a client of Kenneth A. Wilhelm's law firm for many years. I am very pleased with the services that I have received. I have always told my family, friends, and neighbors that if they ever need a lawyer, they should contact Mr. Wilhelm. ... The employees are not only helpful in assisting your needs, but they are trustworthy and you can be comfortable leaving all matters in their hands. They were very helpful to me and my family when I had my accident, like a second family. Please don't hesitate to call the Wilhelm firm; they will be there for you in your time of need.read more
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