Queens car accident attorney Keetick L. Sanchez (https://accidentlawyer-queens.com/how-much-can-i-get-from-an-uninsured-motorist-claim/), of K L Sanchez Law Office, P.C., sheds light on uninsured motorist (UM) claims and what victims can expect in terms of compensation. Dealing with the aftermath of a car accident is never easy, but it becomes even more challenging when the at-fault driver lacks insurance.
Car accidents involving uninsured motorists can leave victims wondering how they will cover the costs of medical bills, lost wages, and other damages. When someone is hit by an uninsured driver, they may think their path to compensation is closed. However, uninsured motorist claims offer an essential avenue for recovery. According to Keetick L. Sanchez, a Queens car accident attorney, many drivers are unaware that their own insurance policies can help cover these unexpected costs.
“Getting into an accident with an uninsured motorist can be a great cause for concern, especially as to where one can secure funds to compensate for the losses after the accident,” said the Queens car accident attorney. “This is where uninsured motorist claims come into play, providing a vital pathway to compensation.”
At K L Sanchez Law Office, P.C., Keetick L. Sanchez and the team of dedicated Queens car accident attorneys work closely with victims of uninsured drivers to help them file UM claims. These claims are crucial for ensuring that accident victims are not left financially vulnerable due to another driver’s lack of insurance. UM coverage helps bridge the gap, offering financial protection when the at-fault driver cannot compensate for the injuries and damages caused.
Uninsured motorist coverage is particularly important in New York, where the state mandates minimum levels of coverage but where many drivers still operate without adequate insurance. According to the New York Insurance Law § 3420(f)(1), all auto insurance policies in the state must include UM coverage for bodily injury. This coverage allows victims to seek compensation through their own insurance policies, helping alleviate the financial burden imposed by uninsured drivers.
For those unsure of how UM claims work, Keetick L. Sanchez provides a clear explanation. “Uninsured Motorist Coverage steps in to fill the gap between what is covered by a policyholder’s Personal Injury Protection (PIP) and what should be compensated by the at-fault driver’s insurance,” Sanchez explains. “For example, if a driver incurs $100,000 in total damages, and after exhausting $50,000 from PIP and receiving $25,000 from the other driver’s insurance, UM coverage would potentially cover the remaining $25,000, depending on the policy limits.”
Several factors affect how much compensation a person can receive from a UM claim. The limits of the victim’s own insurance policy, the degree of fault assigned in the accident, and the severity of the injuries all play significant roles in determining the final amount. In New York, the state’s comparative fault rule means that compensation will be reduced by a percentage equal to the victim’s share of the fault. For example, if the victim is found to be 30% at fault, their compensation will be reduced by 30%. This makes proving liability a critical part of the claims process.
Additionally, the extent of the injuries sustained in the accident can have a significant impact on the compensation awarded. “In cases involving serious or permanent injuries, uninsured motorist coverage becomes crucial,” Sanchez explains. “Compensation amounts will reflect immediate and long-term medical costs, the need for rehabilitation, and any specialized medical equipment required.” The more severe the injury, the higher the potential compensation due to the increased costs of care.
However, filing a UM claim requires meeting several procedural requirements, including notifying the insurance company promptly, usually within 30 days of the accident. Failure to follow these procedures can lead to delays or even denial of the claim. Sanchez stresses the importance of adhering to these conditions and seeking legal assistance in further ensuring that clients meet all necessary deadlines and requirements.
Understanding uninsured motorist claims is essential for anyone involved in a car accident with an uninsured driver. Victims should not assume that they are without options for compensation. Facing an uninsured motorist claim can be daunting, but with the guidance of Keetick L. Sanchez and the team at K L Sanchez Law Office, P.C., victims can further ensure their rights are protected, and they receive the compensation they deserve.
About K L Sanchez Law Office, P.C.:
K L Sanchez Law Office, P.C., located in Queens, NY, is dedicated to providing high-quality legal services to individuals affected by personal injury, including car accidents involving uninsured motorists. Led by Keetick L. Sanchez, the firm can offer personalized, compassionate legal representation focused on achieving the best possible outcomes for clients. Through their work, Sanchez continues to advocate for accident victims, helping ensure they receive the compensation they deserve.
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