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What happens if I am hit by an uninsured motorist?

While having car insurance is a requirement in every state, some people still do not have coverage. If you have been involved in an accident with an uninsured driver, you may be wondering what your options are to cover the cost of repairs to your damaged vehicle and any medical expenses incurred.

Uninsured motorist coverage in New York

In New York, it is a requirement that in addition to your regular liability car insurance, you also carry uninsured motorist insurance. Your uninsured motorist coverage will be applicable if the other driver was at fault and uninsured or if you were the victim of a hit and run.

Coverage limits

When selecting your uninsured motorist coverage, it is important that you select limits that are right for you and understand how the limits work.

Typically, there will be a minimum amount you can select, but you will have the option to choose higher coverage rates. For example, you may be able to choose bodily injury coverage for as little as $10,000 or up to $50,000, depending on what your insurance company offers and how much you want to pay for your monthly premiums.

Property damage

While uninsured motorist bodily injury insurance is usually the minimum required by most states, you may consider also purchasing an option for property damage in your policy if it is offered. This will provide funds to cover the damage to your vehicle or other property that requires repairs due to an accident.


If you have sustained serious injuries due to a car accident with an uninsured motorist that was at fault, you may be able to file a claim in court for compensation beyond what was covered by your insurance policy as well as reimbursement of any deductibles paid.

If you have been injured in a car accident, it is important to understand your rights and options. For advice in such a situation, contact an attorney experienced with personal injury.

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