In New York State, in order to bring a lawsuit to recover for injuries that resulted from a motor vehicle collision, the injured person must prove they sustained a “serious injury”. It is the New York State legislature and the courts that define what is meant by a “serious injury”. Not everyone who is hurt in a car accident can bring a lawsuit.

    Our attorneys work with investigators to obtain crucial evidence that can be lost over time including photographs, witness statements and contacting the police agency and emergency personnel that responded to the scene. We know that in order to protect your rights, time matters. There are times when the person who caused the collision may not have enough insurance coverage to adequately compensate the person who’s been injured. Many states, including New York, allow drivers to have very low insurance coverage, such as $25,000. In other words, because of the cost of more coverage, many drivers on the road are insured for only the minimum insurance they are required to purchase.

    In every motor vehicle case we investigate, we protect the victim’s right to pursue compensation through their own insurance, known as Underinsured Motorist Coverage and Uninsured Motorist Coverage. In other words, your own insurance pays when the other driver has no insurance or not enough insurance.

    You should know that the insurance you buy covers medical expenses for your car and passengers. If you have a crash and it’s the other drivers fault, and he or she doesn’t have adequate insurance, and you have purchased underinsured and uninsured motorists coverage, you have purchased protection for yourself and your passenger. This insurance is very inexpensive. When you renew your care insurance, ask your broker or insurance company about underinsured and uninsured motorist coverage.