Car accidents can be stressful, especially when the other driver doesn’t have insurance. If you find yourself in this situation, you might wonder if you can still receive compensation for your damages and injuries.
Uninsured motorist coverage
One of the most important protections in a situation like this is uninsured motorist (UM) coverage. New York requires all drivers to carry UM coverage as part of their auto insurance policy. UM coverage steps in to pay for your medical expenses, lost wages, and other damages when the at-fault driver doesn’t have insurance.
No-fault insurance
New York operates under a no-fault insurance system, which means your own insurance policy will cover your medical bills and certain other expenses, regardless of who caused the accident. This no-fault coverage, also known as Personal Injury Protection (PIP), helps you get compensation quickly without needing to establish the other driver’s liability.
Suing the uninsured driver
If your damages exceed what your insurance covers, you can consider suing the uninsured driver directly. However, this option can be challenging because if the driver doesn’t have insurance, they might not have the financial resources to pay a judgment.
Additional insurance options
You might also have other coverage options, such as underinsured motorist coverage, which protects you if the at-fault driver has some insurance, but not enough to cover all your damages. Additionally, collision coverage on your policy can pay for repairs to your vehicle, regardless of who caused the accident.
Protecting yourself in an uninsured accident
While dealing with an uninsured driver can complicate your recovery process, understanding your insurance coverage and legal options can help you navigate the situation. By knowing your rights and taking the necessary steps, you can protect yourself financially and focus on recovering from the accident.