Queens Uninsured Accident Lawyer
As a driver, you know how important it is to follow the law and drive with an active insurance policy. Unfortunately, there are some people out there who aren’t as responsible. And when you get into a crash with these people, it can be easy to feel worried about how your finances will be affected.
That’s what our team at Greenstein & Milbauer, LLP is here for. A Queens uninsured accident lawyer can ensure your insurance company provides you with the compensation you need.
What Is an Uninsured or Underinsured Motorist?
Every state has strict rules about drivers and their insurance policies. Every driver in New York is required to carry auto insurance, but the limits of each policy may vary.
In any case, these policies help protect you in the event of an accident or damage to your vehicle. If you find yourself involved in a crash with another person, and that person was at fault, you might turn to the at-fault driver’s insurance company to provide you with compensation for damages that exceed the limits of your own policy.
Unfortunately, in some cases, the other driver either won’t have enough coverage to pay for your damages or won’t have any insurance coverage at all. These types of drivers are called underinsured and uninsured motorists, respectively.
Usually, underinsured drivers are looking to save as much money as possible on their monthly premiums. As such, they may only elect the absolute minimum coverage, which wouldn’t protect you much in the event of a serious Queens car accident.
Uninsured motorists may be uninsured for two reasons: They may have once had an active insurance policy, but the policy was expired at the time of your crash; or they might never have purchased a policy to begin with.
How Uninsured Claims Work in Queens
New York is a no-fault auto insurance state. This means that, regardless of who caused the crash, victims who are seeking compensation for a crash must first go through their own insurance company, rather than the liable driver’s. Because of this, many people think that being hit by an uninsured driver isn’t a big deal.
However, this isn’t true. In the event of a collision, your policy covers your expenses up until your coverage limits. Once these limits are hit, the insurance company might contact the other driver’s representatives to cover the remaining costs. When that driver is uninsured, though, you risk being forced to cover the rest of the expenses out of pocket.
That, of course, is unfair. In cases like this, it can be extremely helpful to have an uninsured accident lawyer in Queens step in on your behalf.
Connect with a Queens Uninsured Accident Attorney
If you were hit by an uninsured driver and are worried about not being able to cover your damages, turn to our team at Greenstein & Milbauer, LLP. We will negotiate with your insurance company to help ensure you aren’t left responsible for any out-of-pocket costs after your collision.
When you’re ready to meet with a Queens uninsured accident lawyer, get in touch with us. You can schedule a consultation by filling out the online contact form below or calling us directly at 1-800-VICTIM2 (842-8462).