If you are involved in a Nassau County car accident with another driver who does not carry adequate coverage – or does not have any insurance coverage at all - you may still be able to file a claim.  The state of New York allows residents to carry uninsured / supplemental underinsured motorist coverage to supplement what the other driver's policy lacks.

You may already have uninsured / supplemental underinsured motorist coverage, and if you do have it at the time of your accident, you can file a claim against your own insurance company for financial compensation.  Unfortunately, it is not as easy as it sounds to have a successful claim, even if you have been left with serious injuries following an accident with an underinsured or uninsured driver.  Following are key points to keep in mind regarding this coverage:

1. New York law mandates that your injuries must be considered "serious" in order to file a claim for underinsured / uninsured motorist coverage.  Determining which injuries qualify can be complicated and requires knowledge of insurance policies and New York insurance guidelines. The Nassau County car accident attorneys at Schwartzapfel Partners have represented enough injury victims to help assess whether your injuries merit filing a claim.
2. Insurance companies, even your own, don't have your best interests in mind – they want to minimize the amount of money they pay out for accidents.  Even though you are their client, it does not guarantee you a successful settlement.  They may try different tactics to deny your coverage, such as stating that you were at fault in the accident, or they may dispute the cost of your injuries to minimize their payout.  You do not have to fight this battle alone.  Our attorneys know the insurance companies and their tactics – and insurers know we are prepared to represent your interests across the negotiating table or in the courtroom.

If you do have the coverage and your insurance company denies your claim, you have the burden to prove the legitimacy and value of your claim.  Make sure to preserve detailed evidence and properly completed paperwork to continue to fight for the settlement you are due.

When you’ve suffered serious injury as a result of a car accident with an uninsured or underinsured driver, you need the Nassau County, New York lawyers of Schwartzapfel Partners P.C. at your side. With more than 150 years of combined experience, our Nassau County, NY car accident attorneys are well prepared to handle all your legal needs.

Call our Nassau County, New York car accident attorneys today at 1-800-966-4999 or use our convenient online contact form for a free case evaluation.  Click here for the address of our Long Island office closest to you.   At Schwartzapfel Partners, we will fight for you!