DID YOU KNOW that even though New York law requires every driver to carry auto insurance, in reality, there are thousands of drivers that are not insured at all?
In addition, thousands of motor vehicle owners only carry the bare minimum insurance of $25,000.00, which may not fully compensate you for your bodily injuries, lost wages, medical bills or other damages.
What type of insurance should you carry to give yourself and your family the protection you need?
Virtually every lawyer will recommend that you carry a significant amount of Uninsured Motorist (UM) and Supplemental Underinsured Motorist (SUM) protection insurance. By purchasing these policies, which often only cost a few dollars a month, you will have a policy that will provide compensation for injuries caused by a driver with no insurance (or little insurance).
What does this means to you or a member of your household who is injured by an uninsured vehicle? You or a member of your household may seek compensation from your household auto insurance policy for bodily injuries, lost wages, medical bills and other damages.
What does it mean to you or a member of your household who is injured by a vehicle that does not carry sufficient insurance to fully compensate you? You or a member of your household may seek compensation for bodily injuries, lost wages, medical bills and other damages from BOTH the vehicle that injured you and your household auto insurance policy.