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Uninsured Motorist Accidents in Nassau County

Car accidents with uninsured motorists in Nassau County are a great issue. In New York, all drivers must have car insurance because it is a no-fault state. This insurance covers their losses, regardless of who is at fault for the accident.   

Underinsured drivers are another possibility for car accidents in Nassau County. Although the driver has basic car insurance, this insurance may not cover all the costs. This is especially true if the crash caused serious injuries to the victims.  

Many reasons lead drivers to go without car insurance, exposing themselves to serious consequences. Many immigrants in New York may not be aware that they can obtain a driver's license without a residency card. As a result, they may choose to drive without one because they are unaware of this law.  

It doesn´t matter what reasons led those drivers not to follow the rules, but you might feel stressed about the uncertainty of not knowing how you will pay for your expenses. The Ward Law Group provides legal assistance to you from our uninsured motorist accident attorneys.   

With vast experience and knowledge, we can help you recover fair compensation for your damages.  

Understanding the legal landscape is crucial for uninsured motorist accidents in Nassau County. New York State law mandates that all drivers have minimum liability insurance coverage. However, despite these requirements, some individuals still operate vehicles without insurance. In Nassau County, this issue can have significant legal implications for the uninsured driver and the accident victim.   

Uninsured motorist coverage is required by NY law to safeguard people in accidents with uninsured drivers. This coverage pays for victims' injuries and damage when the driver at fault cannot pay for these costs. In New York, it's crucial to have uninsured motorist coverage because of the busy roads and the risk of accidents.  

Nassau County residents have access to additional insurance coverage options. These options include underinsured motorist coverage, personal injury protection (PIP), and uninsured motorist coverage. These coverages can provide additional financial protection if an accident occurs with an uninsured or underinsured driver.  

Victims of uninsured motorist accidents have several legal options. They may file a claim with their insurance company under uninsured motorist coverage. They can also sue the uninsured driver to get money for their injuries and damages. 

Understanding the legal process after an accident with an uninsured driver can be challenging. This is especially true for individuals unfamiliar with New York law. We highly recommend seeking the guidance of an experienced personal injury attorney in Nassau County. A good lawyer can assist victims in knowing their rights, dealing with insurance companies, and representing them in court if needed.  

Laws and legal principles may apply to accidents with uninsured drivers in Nassau County. In New York, car accident victims can get compensation from their insurance company, regardless of who caused the accident. However, there are exceptions to this rule, particularly in cases involving serious injuries.  

Additionally, New York law imposes strict deadlines, known as statutes of limitations, for filing personal injury lawsuits. In Nassau County, victims typically have three years from the accident date to file a lawsuit against the at-fault driver. Failure to file within this timeframe can result in losing the right to seek compensation.  

Regarding case precedents, numerous court cases in Nassau County and throughout New York State have involved uninsured motorist accidents. These cases have helped to establish legal principles and guidelines for handling such cases in the future.  

Consulting with an attorney from The Ward Law Group can be invaluable for victims seeking justice and compensation after an accident involving an uninsured motorist in Nassau County.  

Insurance Coverage Options 

New York State law mandates minimum insurance requirements to ensure financial responsibility for registered vehicles and license plates. These requirements encompass several essential coverage types: 

No-Fault (Personal Injury Protection) 

No-fault insurance, also called PIP, quickly pays for financial losses from accidents, regardless of who is at fault. This coverage pays for medical bills, lost wages, and other necessary expenses caused by injuries from the accident. No-fault coverage is fundamental in Nassau County, providing up to $50,000 per person for basic benefits.  

No-fault insurance aims to swiftly restore individuals hurt in auto accidents to health and productivity. It only allows lawsuits for car accidents if the economic losses exceed the No-Fault benefits. Non-economic damages like pain and suffering are only possible if there is a "serious injury."  

Liability Insurance 

Liability insurance protects drivers from claims for injuries or property damage caused by accidents for which the insured driver is responsible. This coverage provides financial protection by paying injured third parties and offering legal defense against claims. New York's minimum liability limits include:  

  • $25,000 for bodily injury (per person) or $50,000 for death resulting from an accident. 
  • $50,000 for bodily injury (two or more persons) or $100,000 for death (two or more persons) in a single accident. 
  • $10,000 for property damage per accident. 

These liability limits ensure drivers have adequate coverage to compensate others for injuries or damages caused by their vehicle.  

Uninsured Motorists Coverage 

Uninsured motorists cover multiple people, including the policyholder, their family, and others, in the car during an accident. It protects you from hit-and-run accidents, too. 

This coverage is mandatory in New York State and provides bodily injury protection for accidents occurring within the state. This insurance does not cover car damage. However, it does provide financial assistance for medical bills and lost wages following an accident involving an uninsured driver.  

The minimum bodily injury limits required for uninsured motorist coverage are the same as those for liability insurance. Additionally, you can extend coverage to out-of-state accidents for an additional fee.  

Maintaining Coverage 

Nassau County residents should prioritize maintaining continuous insurance coverage to comply with New York's Insurance Information and Enforcement System (IIES). This system tracks insurance coverage for registered vehicles, ensuring compliance with state requirements. Failure to maintain liability insurance can lead to the suspension of vehicle registration and driver's licenses and significant monetary penalties. 

Renting a Car 

When renting a car in New York State, renters have options regarding insurance coverage. Car rental companies are obligated to provide necessary insurance. However, renters have the option to purchase additional coverage, such as a Collision Damage Waiver (CDW) or "Optional Vehicle Protection" (OVP). 

If you already have car insurance in New York, you may not need to purchase CDW for short-term rentals. This is because your existing insurance policy might already provide coverage.   

Furthermore, some credit card companies offer collision damage coverage for rental vehicles, supplementing existing coverage. Renters should review their rental agreements and contact their insurance or credit card company to ensure that they have sufficient car rental coverage.  

Compensation and Damages 

After a car crash with an uninsured driver in Nassau County, victims may suffer physically, emotionally, and financially.   

  • Medical Expenses: 

Insurance companies must compensate victims of uninsured motorist accidents for the medical expenses they incur due to their injuries. This includes costs associated with hospital stays, surgeries, doctor's visits, prescription medications, rehabilitation therapy, and any other necessary medical treatments.  

Getting fast medical assistance and monitoring medical expenses is crucial for maximizing compensation in Nassau County.  

  • Lost Wages: 

Being injured in a car accident involving an uninsured driver can make it difficult to continue working. This can result in a loss of wages and income. Victims may be entitled to compensation for the wages they would have earned had they not been injured in the accident.  

This includes compensation for missed workdays, reduced earning capacity, and any future lost income resulting from long-term disabilities. Documenting missed workdays and obtaining proof of employer income are critical steps in recovering lost wages.  

  • Pain and Suffering: 

Uninsured motorist accident victims in Nassau County may receive money for pain and suffering and economic damages. Pain and suffering damages compensate victims for physical pain, emotional distress, and mental anguish caused by accidents and injuries.  

Calculating pain and suffering damages is difficult because they are subjective and need medical and legal experts. Factors such as the severity of injuries, duration of recovery, and impact on daily life are considered when determining the appropriate compensation for pain and suffering.  

  • Property Damage: 

This payment would include the expenses for your injuries and any harm to your car or belongings. This covers the expenses for fixing or getting new vehicles and damaged belongings or devices caused by the accident.  

To properly evaluate property damage claims, you must document the full extent of the damage. Additionally, it is crucial to obtain repair estimates from mechanics or shops with a good reputation.  

  • Wrongful Death Damages: 

Tragically, some accidents involving uninsured motorists in Nassau County result in fatalities. If someone dies due to another person's fault, the family can seek compensation for various expenses. These expenses may include funeral costs, lost income, feelings of loneliness, and emotional suffering.  

This type of claim can provide financial security and support to families who have lost a loved one because of an uninsured motorist accident. 

  • Legal Representation: 

It can be difficult for accident victims in Nassau County to understand and get fair compensation for uninsured motorist claims. It is highly recommended that they seek the assistance of an experienced personal injury attorney.  

A good lawyer can help victims, talk to insurance companies, find proof for their claims, and take legal action if needed. Victims can focus on getting better with a lawyer while their attorney works hard to get them the money they deserve.  

Comparative Negligence  

In the context of uninsured motorist accidents in Nassau County, comparative negligence significantly determines each party's degree of fault and subsequent liability for damages. Comparative negligence is a law that assigns responsibility for an accident to the individuals involved, depending on their level of fault. The law aims to divide the blame among the parties based on their contributions to the incident.  

If an uninsured motorist accident victim is partly at fault, they can still recover damages. However, it will be affected depending on the percentage of fault.  

New York follows a pure comparative negligence system, which means that even if the victim is partially at fault for the accident, they can still pursue compensation for their injuries and damages. However, their compensation may be reduced in proportion to their degree of fault. 

For example, if a victim is found to be 20% at fault for the accident, their compensation will be reduced by 20%. So, if their total damages amount to $100,000, they would only be able to recover $80,000 due to their partial responsibility for the accident.  

Comparative negligence can complicate uninsured motorist accident cases in Nassau County, as insurance companies may shift blame onto the victim to minimize their liability. Victims need good lawyers to protect their rights and assess their blame level correctly.  

Proofs like witness statements, police reports, and expert testimony are important in finding fault in accidents with uninsured drivers. An experienced uninsured motorist accident lawyer can help gather and present this evidence effectively to support the victim's claim and maximize compensation.  

Overall, understanding how comparative negligence applies to uninsured motorist accidents in Nassau County is essential for victims seeking compensation. While being partially at fault does not necessarily bar recovery, it can affect the compensation awarded. So, victims should get legal help to understand comparative negligence and protect their right to fair compensation.   

Contact A Uninsured Driver Accident Lawyer Here

If you are hurt in a car crash caused by an uninsured driver, call The Ward Law Group at 855-DOLOR-55. We offer free consultations to discuss your situation. You can also reach out if you know someone injured in a similar accident.  

We can help you overcome this difficult situation and relieve your stress. We are strongly committed to bringing justice to you and your family.