There are few things that can be more financially catastrophic than if you are hit through no fault of your own by motorists who is not adequately insured. Oftentimes, the minimum insurance does not begin to cover the amount of damage that you can sustain in even the most minor of accidents. According the the New York State Department of Motor Vehicles, in 2011 alone, there were over 307,000 car accidents in New York State resulting in 128,000 accidents with injuries. In order to protect yourself in this situation, I recommend that you contact your insurance company or an insurance agent to discuss obtaining SUM coverage. SUM coverage provides extra insurance above and beyond your own insurance in the event that the driver who was at fault was not adequately insured. This coverage, while somewhat pricey, will provide you relief in the event that this unfortunate circumstance happens to you. The number of drivers who carry minimal insurance makes up the vast majority of drivers. So in the likely event that you are hit by another vehicle through no fault of your own, and you are seriously injured, the driver who hit you will likely have the minimum insurance. As you can imagine, $25,000 to not go very far when it comes to making up for your lost wages and pain and suffering. The chart below gives you the amount of insurance per person and accident that the states minimally require. If you are seriously injured in a car accident in New York, please feel free to contact me if you have any questions.
|State||Liability limits (in thousands of dollars)||Uninsured/Underinsured motorist coverage required?|
|New Hampshire||Not required. If elected: 25/50/25||Yes|
|Wisconsin||50/100/15 (current); 25/50/10 (effective 11/01/11)||Yes|
David B. Snyder, Esq.
6876 Buckley Road
Syracuse, NY 13212
Mr. Snyder is licensed to practice in New York where he practices personal injury work in Syracuse; he cannot offer legal advice in other states. This blog is meant to be a public service and not an attempt to solicit business. Moreover, my postscannot be considered a legal opinion of your case / inquiry. Unless I am retained in a matter and have completed a full investigation of the underlying facts and law, I cannot give an opinion on which to rely. Furthermore, unless your matter concerns New York law, I am not licensed to practice or give specific legal advice in your state.