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Uninsured/Underinsured Motorist Long Island

Long Island Uninsured Motorist Lawyer

Is the Other Driver Insured for Your Injuries?

New York law requires that all drivers carry liability insurance to cover the monetary damages if they cause serious bodily injury to someone else in an accident. Nonetheless, there are thousands of uninsured drivers on the roads of Long Island. And even drivers that do have liability coverage may have insufficient coverage to pay for your losses.

If you were hit by an uninsured motorist, you are not necessarily left holding the bag. But you may need an attorney who is familiar with insurance law and is prepared to fight for your rightful compensation.  Contact the Lake Grove law firm, The Raimondo Law Firm for a free consultation. We represent auto accident victims in Nassau County, Suffolk County and New York City, including surviving family members in wrongful death litigation.

Uninsured Motorist or Underinsured Motorist

In pursuit of your full damages, attorneys at The Raimondo Law Firm exhausts all resources to pay for your medical bills, lost wages and lasting impact on your personal life, such as a permanent disability. This includes the other driver’s liability insurance and any excess liability or “umbrella policy,” or even personal assets of the person who hit you.

It also includes your insurance company. You have a provision in your own auto insurance called uninsured motorist/underinsured motorist, which may appear on your glovebox card as UM/UIM:

  • Say that the other driver has no insurance, or drove away after crashing into you. Your uninsured motorist coverage should pay for your damages, up to the policy limits.
  • Say that the other driver carried only the minimum liability of insurance of $25,000 per person/$50,000 per accident. (This is a common scenario.) If your hospitalization or total losses exceed $25,000 or there were several people injured, there would not be enough coverage to go around. Your underinsured motorist policy should pick up the difference.

Your insurance company, however, may counter that you were at fault or point to some other policy provision to avoid its obligation. If you file your own claim, it is more likely to be rejected or offered a “lowball” settlement for less than your policy limits. We will personally prepare your UM/UIM claim and hold your insurance accountable under New York law for failure to pay in good faith. If necessary, he will go to trial to secure justice.

Contact an attorney with 30 years of experience in uninsured and underinsured car insurance litigation. Call us at 631-471-1222 for a free case evaluation. We have fluent Spanish and Greek speakers in house, and we can meet clients evenings, weekends or at home or hospitals.

Free Case Review

When you’re in an accident, it’s hard to know what to do. We’re here to help. Contact us today for a free consultation.


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