If you have been injured in an accident with an uninsured or underinsured driver, you are probably wondering how you will secure the compensation you need to pay your bills, treat your injuries and support your family.

New York drivers are required to carry no-fault insurance for minor accidents as well as liability insurance for serious bodily injury to others. Yet when auto accident injuries are severe or permanent, the losses can far exceed these policies.

Some drivers are not insured at all. If you’ve been injured by a motorist that does not have adequate insurance coverage, or have been the victims of a hit and run accident, the uninsured motorist accident attorneys at Raphaelson & Levine can help you navigate the state's uninsured motorist law and get the compensation you deserve.

While it will be an uphill battle, it is not a hopeless situation. With the right law firm on your side, you will be able to get the compensation you deserve. At Raphaelson & Levine Law Firm, located in Midtown-Manhattan, New York City, our lawyers are not afraid to take on the biggest insurers to fight for the full compensation to which our clients are entitled. We know the struggles you are facing, and we will not rest until we get you the maximum compensation available.

Understanding Uninsured/Underinsured Motorist Coverage

Insurance coverage can be very complex and confusing, especially when a negligent driver is not insured for your losses. Our attorneys sit down with clients to explain no-fault insurance, liability insurance, uninsured/underinsured motorist (UM/UIM) insurance, and when each applies. You can count on us to pursue every dollar you deserve from every source of coverage, even if it means taking your insurance carrier to court.

Uninsured motorist/underinsured motorist coverage kicks in when other coverages are absent or exhausted:

• The at-fault driver is not insured for injury to others.
• The driver is an unidentified (hit-and-run accident).
• The damages exceed policy limits — many New York drivers carry only the minimum liability coverage of $25,000 per person. Your medical care lost income, and other damages can easily exceed that threshold in a serious accident.
• There are multiple vehicles or multiple victims. If the at-fault driver carries only the minimum 25/50/10 policy, he or she is responsible for a maximum of $50,000 per accident, regardless of the number of victims.

Your UM/UIM insurance covers the difference, up to the limits of your policy provisions.

Our New York City Uninsured Motorist Accident Attorneys Can Help

Our accomplished trial lawyers have handled thousands of motor vehicle accidents, including countless cases that invoked uninsured motorist or underinsured motorist coverage. We will not let your insurer take advantage of you at a time when you need its help the most.

Let us handle the insurance matters while you focus on putting your life back together. Call Raphaelson & Levine at 212-268-3222 or contact us online for a free consultation with our New York City uninsured motorist accident injury lawyers.

‍