Uninsured motorist coverage is mandatory as part of every automobile policy issued in the State of New York. What this means is that if an uninsured vehicle causes injury to a person, that person can recover from their own automobile policy for their injuries and pain and suffering. There are many situations where a negligently operated motor vehicle causes severe injury to a person and has insurance, but it is grossly insufficient to compensate the injured party. This is where underinsurance coverage is critical. If you have underinsurance coverage and you suffer injury caused by a negligently operated motor vehicle that has insufficient insurance coverage, you can receive compensation from your insurance policy. New York requires a minimum liability policy of only $25,000.00. So, without underinsurance coverage, you run a real risk of being unable to receive fair compensation for injuries if you suffer serious injury caused by a vehicle with minimal insurance. Protect yourself and your family today by calling your auto insurance broker and adding underinsurance coverage to your policy. Typically, it does not cost very much. You need to ask your broker about this type of coverage, since they don’t usually mention it.

If you or someone you know has been injured in an automobile accident, please give us a call. We have helped thousands of people injured in automobile accidents. We can help you, too.