Uninsured Motorist Coverage: New York

Trying to figure out if you need to get New York uninsured motorist insurance? Yes uninsured motorist insurance is the law in New York, and you need to get it, because recent reports conducted by the Insurance Research Council show that more than 7% of New York road users are uninsured or underinsured. What does uninsured motorist coverage cover? In most cases, uninsured motorist insurance coverage protects you in the event you are injured in a car accident wherein the other party is to blame, but uninsured. Uninsured motorist protection is frequently called New York hit and run insurance.

If you don’t have this type of insurance, you might be forced to cover doctors expenses related to an accident for which you were not liable. Surprisingly, New York uninsured motorist insurance does not have to run you lots of money.

It is crucial to compare rates on New York uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of New York UM/UIM coverage – online!

New York Uninsured Motorist Law

Yes, New York uninsured motorist insurance is mandatory. To be thoroughly covered in the state of New York, a road user will need to have a minimum level of coverage. Below are the coverage amounts they will need to have:

  1. For one person injured in an accident: $25,000
  2. For all of the persons injured in an accident: $50,000
  3. For property damage in an accident: $10,000

Without this amount of coverage, a driver will be underinsured. In this instance, UM/UIM coverage should cover the discrepancy between what the motorist to blame is able to pay off, and the amount that should be paid.

Accident With an Uninsured Driver in New York?

Those who have been in an accident with a motorist driving without being insured could have the right to seek reimbursement for injuries. In 48 states, it’s against the law for a car owner to be uninsured, and may even be treated as criminal. Obviously, it’s essential to have an attorney assess your uninsured driver or hit and run case.