Queens car accident lawyer Keetick L. Sanchez (https://accidentlawyer-queens.com/what-is-uninsured-motorist-coverage/), from K L Sanchez Law Office, P.C., releases an article on the critical role that uninsured motorist (UM) coverage plays for drivers in New York. Accidents are stressful events, but when the other driver is uninsured, the situation becomes even more challenging. This coverage helps protect drivers and their families from the financial burden of accidents caused by uninsured drivers, ensuring they receive compensation for medical expenses and damages.
As a seasoned Queens car accident lawyer, Keetick L. Sanchez emphasizes how common it is to encounter uninsured drivers in a state as densely populated as New York. With 5.2% of drivers in New York estimated to be uninsured, the odds of being involved in an accident with one of them are significant. Uninsured motorist coverage provides a safeguard for insured drivers, making it a necessary component of any auto insurance policy.
Keetick L. Sanchez advises clients on the importance of being prepared for such situations. The Queens car accident lawyer explains that New York law requires all drivers to have UM coverage, which steps in when the at-fault driver lacks insurance or in cases of hit-and-run accidents. This mandatory coverage offers peace of mind, knowing that financial assistance is available in these difficult scenarios.
"Without uninsured motorist coverage, many drivers would be left vulnerable, shouldering the financial burden of an accident caused by someone without insurance," states Keetick L. Sanchez. "This coverage is crucial, particularly in a state like New York, where traffic is heavy, and the likelihood of encountering an uninsured driver is higher than one might expect."
Another benefit of uninsured motorist coverage, as explained by Keetick L. Sanchez, is its ability to cover hit-and-run accidents. When the responsible driver flees the scene, leaving behind damages and injuries, UM coverage fills the gap, ensuring that victims aren’t left without recourse. This protection extends beyond just the policyholder, covering passengers and family members who may be affected by the accident.
The article also emphasizes the broader scope of uninsured motorist coverage, including protection for pedestrians hit by uninsured drivers. Sanchez stresses that in busy urban areas such as Queens, it is vital to have comprehensive protection. This includes not just the minimum coverage mandated by law but also the option to purchase additional UM coverage to better protect against severe accidents and the high costs of medical care and rehabilitation.
Keetick L. Sanchez also touches on underinsured motorist (UIM) coverage and Supplementary Uninsured/Underinsured Motorist (SUM) coverage in New York. UIM coverage is optional but highly recommended for added protection when the at-fault driver’s insurance is insufficient to cover the full extent of damages. SUM coverage combines both UM and UIM into a unified plan that offers expanded protection, including cases where the at-fault driver’s insurance provider becomes insolvent.
While uninsured motorist coverage is required by law, Keetick L. Sanchez encourages drivers to consider higher coverage limits. This decision can provide better protection in the event of a serious accident. The cost of healthcare, lost wages, and long-term rehabilitation can quickly surpass the minimum coverage limits, leaving victims to shoulder the remaining costs. By opting for higher UM coverage, drivers can ensure their financial security in the event of an accident with an uninsured or underinsured motorist.
Engaging an attorney is beneficial in these cases, as they can help gather and present the necessary evidence to support the claim. "The insurance companies are primarily focused on minimizing their payouts," says Keetick L. Sanchez. "Having a lawyer on your side means having someone who can advocate for you, further ensuring that your compensation reflects the true extent of your damages."
Drivers in New York are advised to review their insurance policies regularly to ensure they have adequate uninsured motorist coverage. Keetick L. Sanchez encourages drivers to not just meet the legal requirements but to proactively choose coverage limits that provide full protection.
Uninsured motorist coverage provides critical protection for drivers, ensuring that they are not financially devastated by accidents involving uninsured or hit-and-run drivers. Keetick L. Sanchez at K L Sanchez Law Office, P.C. can assist those who find themselves in such challenging situations, guiding them through the claims process and fighting to secure fair compensation.
About K L Sanchez Law Office, P.C.:
K L Sanchez Law Office, P.C., located in Queens, New York, is dedicated to providing legal assistance in personal injury cases, particularly car accidents. Led by attorney Keetick L. Sanchez, the firm focuses on helping ensure that clients receive the compensation they deserve after being involved in accidents, especially those involving uninsured drivers. The firm is committed to protecting the financial well-being of its clients and advocating for their rights.
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