Statistics show that nearly one in every seven drivers on the road does not have insurance. The rate of uninsured drivers remains a problem nationwide, including in New York. When you’re hit by a driver without insurance, getting compensation for medical bills, lost wages, and other expenses can feel nearly impossible.
This is where we step in. Our Long Island uninsured driver accident lawyer at the Law Offices of Joseph J. Perrini, III, has decades of experience helping victims in Long Island and across Kings, Queens, Nassau, and Suffolk counties get justice following accidents.
We know how challenging these cases can be and are prepared to fight to ensure you receive fair compensation.
Legal Obligations of Drivers in New York
New York has strict laws requiring all drivers to carry a minimum level of auto insurance. This includes liability coverage for bodily injuries and property damage. Drivers must have at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Despite these laws, not every driver follows the rules. Driving without insurance can lead to fines, vehicle impoundments, and even jail time. Yet, some people continue to take the risk, leaving others to deal with the consequences of their choices.
When an uninsured driver causes an accident, knowing your rights and taking action is essential. Our Long Island auto accident lawyer understands these situations and can help you through the legal process.
Common Causes of Uninsured Driver Accidents
Why do some drivers choose to drive without insurance? It often comes down to financial struggles. Some drivers may feel they can’t afford insurance or believe they won’t get caught.
Others might let their policies lapse or choose not to renew them. When these drivers cause accidents, innocent victims struggle to cover expenses.
Common scenarios involving uninsured drivers include:
- Drivers who have let their policies expire without renewing them.
- Drivers borrow a car from someone who lacks coverage.
- New drivers who haven’t obtained proper insurance yet.
- Individuals with suspended licenses who try to drive anyway.
No matter the reason for the accident, uninsured driver accidents can lead to serious injuries and financial burdens for the victims. It’s essential to understand your coverage options and seek legal help to secure the compensation you deserve, especially when the other driver lacks proper insurance.
Call us today at 516-221-7900 or contact us online using our free and secure submission form. We are available 24/7 to assist you and offer FREE initial consultations.
Types of Injuries in Uninsured Driver Accidents
Accidents involving uninsured drivers can lead to a wide range of injuries, some minor and others severe. Here are ten common injuries that victims often experience:
Whiplash
Whiplash is a neck injury caused by the sudden jerking motion in a crash, and it is common in rear-end accidents. This sudden movement can cause pain, stiffness, and difficulty moving your neck. You might also feel headaches or dizziness, making everyday activities challenging.
Broken Bones
The impact of an accident can easily break bones, which can take a long time to heal. Sometimes broken bones need surgery, metal plates, or screws to fix them. It’s not just about healing the bone. In some cases, victims might also have to go through months of physical therapy to get back to normal.
Head Injuries
Crashes can lead to head injuries like concussions or more serious brain injuries. These can mess with your memory, concentration, and even your mood. A bad head injury can change your life, affecting how you think, work, or enjoy things you used to do.
Spinal Cord Injuries
When the spinal cord is damaged, it can cause partial or complete paralysis, depending on the injury. These injuries often mean needing ongoing medical care, special equipment, and significant changes to daily life. It’s a serious injury that can have long-term effects on independence and mobility.
Cuts and Lacerations
Broken glass and sharp metal can leave deep cuts during an accident. If these cuts aren’t treated quickly, they can lead to infections or leave noticeable scars. Serious cuts might even need stitches or surgery to fully heal.
Internal Injuries
The force of a crash can cause internal bleeding or damage to organs like the liver or spleen. These injuries are tricky because they’re not always apparent immediately but can be dangerous. If not treated quickly, internal injuries can become life-threatening.
Facial Injuries
During a crash, hitting your face on a steering wheel or window can break bones or cause cuts, leading to disfigurement. Severe facial injuries often require reconstructive surgeries and can be emotionally tough to deal with due to changes in appearance.
Knee Injuries
Accidents can cause serious damage to the knees, like tearing ligaments or breaking kneecaps. Knee injuries can make it hard to walk or move around normally, and recovery can involve surgeries and months of physical therapy.
Burn Injuries
Sometimes, collisions lead to fires that can cause painful burns. Burns aren’t just painful—they can lead to extended hospital stays, surgeries, and permanent scars. Severe burns often need skin grafts and can take a long time to heal.
Dealing with a significant injury from an accident can be painful. Regrettably, it can also be quite expensive. For this reason, it is important to seek legal help from a car accident attorney in Long Island, NY, as soon as possible. Taking legal action can provide you with some financial relief.
Filing a Claim Against an Uninsured Driver
Filing a claim after an accident with an uninsured driver can be tricky. Since the at-fault driver doesn’t have insurance, you’ll need to explore other options for compensation. This is where having a Long Island uninsured driver accident lawyer becomes crucial.
One of the best ways to protect yourself in these situations is by having uninsured motorist (UM) coverage on your policy.
This coverage steps in when the at-fault driver doesn’t have insurance, allowing you to file a car accident claim through your insurance company. If you have UM coverage, our top-rated auto accident lawyer in Long Island can help guide you.
Uninsured Motorist (UM) Coverage Explained
Uninsured motorist (UM) coverage is there to help when you’re in an accident with a driver who doesn’t have insurance. It’s meant to cover several key expenses, including:
- Medical expenses
- Lost wages
- Pain and suffering
UM coverage even applies in hit-and-run situations where you can’t identify the driver at fault. However, filing a UM claim isn’t as simple as filing a regular insurance claim. You have to prove that the other driver was at fault and didn’t have the required insurance. This can be tricky, and insurance companies aren’t always quick to pay these claims.
That’s why having a no-win, no-fee uninsured driver accident lawyer in Long Island can help. They’ll know how to gather evidence, prove the other driver’s fault, and deal with insurance companies to ensure you get the compensation you deserve. This way, you can focus on recovering while they handle the complicated stuff.
Why Work with Us?
We are aggressive in pursuing justice, whether through negotiation, litigation, or trial. With a proven track record of securing tens of millions of dollars in settlements and verdicts, we are committed to helping you achieve the compensation you deserve.
How Our Long Island Uninsured Driver Accident Lawyer Can Help
Handling a case involving an uninsured driver can be stressful. Not only do you have to recover from your injuries, but you also have to deal with insurance companies that may try to avoid paying your claim. That’s where our team steps in.
Our uninsured driver accident attorney near me at the Law Offices of Joseph J. Perrini, III, has years of experience helping accident victims. We understand the ins and outs of insurance policies, UM claims, and insurance companies’ tactics to protect their bottom line. We’re here to fight for you and get the compensation you deserve.
Call us today at 516-221-7900 or contact us online using our free and secure submission form. We are available 24/7 to assist you and offer FREE initial consultations.
Contact Our Long Island Uninsured Driver Accident Lawyer
If an uninsured driver or someone you love has injured you, don’t wait to get help. Contact our uninsured driver accident lawyer in Long Island at the Law Offices of Joseph J. Perrini, III, for a free consultation. We can help you understand your options, file a claim, and pursue the compensation you need to cover medical bills, lost wages, and more.
Don’t face this situation alone. Our Long Island car accident lawyer is here to guide you every step of the way.
“Joseph J Perrini, esquire and his staff were top-notch and extremely caring and professional from the inception to the conclusion of my case. They got me so much more money than I expected and I strongly recommend anyone injured in an accident to use their”
- Margaret H.