Car Insurance Coverage For Other Drivers

Car Insurance Coverage For Other Drivers – All New York City drivers are required to have car insurance – it’s the law. However, you may be wondering, “Does my car insurance cover it?”

Actually, the answer is a bit complicated. Read on to learn more, or contact the attorneys at Schwartzapfel today at 1-516-342-2200 or visit us online for a free consultation and more information.

Car Insurance Coverage For Other Drivers

New York auto insurance. In short, this means that the drivers insurance policy must cover any monetary or economic damages in the event of an accident. The purpose of no-fault laws is to prevent frivolous lawsuits from entering the court system.

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For example, imagine that you and another driver are involved in a fender-bender accident. Instead of you or the other driver suing each other, both of your insurance companies pay the damages. This means that the whole situation can usually be resolved objectively and without legal dispute.

In addition, no-fault laws usually apply even in serious accidents, including those that result in serious injuries.. This is a lawsuit against the person at fault, depending on the nature of your injuries and the actions of the other driver. may still be possible.

Since New York is a no-fault state, every legal driver is required to have car insurance. There are several types of car insurance that you can have on your policy to keep your license.

Bodily injury liability coverage covers expenses related to the injury or death of a pedestrian or other motorist. All drivers must have up to $25,000,000 in personal insurance and $50,000,000 in accident coverage.

Preferred Auto Coverage Definition

New York drivers are also required to carry property damage liability coverage if the accident is your fault and damages another person’s property, including cars, buildings, homes, etc. pays the costs of the damage.

Your own insurance policy must have a minimum coverage limit of $10,000 for property damage.

To learn more free of charge, call Schwarzaffel Lawyers at 1-516-342-2200 or visit us online today. Or continue reading.

Personal Injury Protection (PIP) coverage provides financial coverage if you and any passengers in your vehicle are injured in an accident. PIP coverage pays for medical expenses, funeral expenses, and related expenses. To meet the New York state minimum, your PIP coverage must be $50,000,000 or higher.

Do Insurance Companies Go After Uninsured Drivers?

Your PIP policy may cover a family member or anyone else in the car with you. This is also true if you let someone else drive your car. However, your auto insurance policy should specify whether the rental car is included or has to pay for abandonment and other charges.

Uninsured motorist coverage pays for your medical expenses if you are involved in an accident and the other driver is at fault and the other driver does not have car insurance. You need at least a $25,000 limit and a $50,000 accident limit to meet the New York state minimum.

Uninsured motorist coverage is similar, although it is the other driver who is at fault and does not have liability insurance to pay for your medical bills. This is a type of additional coverage that is used in conjunction with an existing insurance policy.

Either way, both of these types of insurance protect you from financial hardship if you are a victim of an accident and suffer serious physical injuries.

Liability Vs. Full Coverage: Which Is Better For You?

In addition to the auto insurance requirements listed above, New York allows drivers to purchase additional insurance policies. These are completely optional and not strictly required, although they are valuable as they can offset the higher fees you would otherwise have to pay. These additional types of insurance are:

To learn more about the types of auto insurance available to you, speak with Schwarzaffel Attorneys today by calling 1-516-342-2200 or online to schedule your free consultation.

Generally, your insurance policy will cover the other driver’s injuries if you were at fault in the accident.

But remember that if you are at fault for an accident, both your personal injury liability and property damage liability coverage will usually cover the costs associated with the accident.

Does Car Insurance Follow The Driver?

Note: If you are found not at fault, the other driver will likely have to pay for their own injuries and/or property damage.

Likewise, under permitted use, your policy covers other people driving your car when you let them borrow your car.

So, what happens if you are not held responsible for the accident, and the at-fault driver has no insurance or insufficient policy limits? This includes types of uninsured and underinsured motorist coverage. Thus, your auto insurance policy should cover the actions and damages of other drivers in most scenarios.

Although New York State has insurance laws that cover almost every type of car accident, your damages may exceed your insurance(s) and other driver’s coverage.

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Note: In such a case, you may be able to file a lawsuit against the at-fault driver for additional compensation for medical bills related to post-concussion syndrome, broken bones, and more.

Call the expert team at Schwarzaffel attorneys right away at 1-516-342-2200 for a free consultation. Alternatively, you can visit us online for a free case evaluation.

Although New York is a no-fault state, it allows drivers and passengers involved in accidents to sue at-fault parties under certain circumstances, including:

Even with these opportunities, it can be difficult to know if your job is a good fit. Talking to an experienced car accident attorney can help you determine whether a lawsuit is a good idea, whether you have a legal right to sue, and what damages you can expect to recover. Contact Schwartzapfel Attorneys at 1-516-342-2200 or visit us online to learn more now.

What Is Comprehensive Insurance And What Does It Cover?

In most accident cases in New York, the injury-related fees and property taxes owed must first be covered by your insurance policy.

For example, say you have $100,000 in medical bills due to injuries related to an auto accident. Your personal injury protection should be used first. After this is over, any damages or compensation recovered from a successful lawsuit can be applied to your medical bills.

Note: This is also true for uninsured and underinsured motorists. If you are injured by an uninsured motorist, for example, your uninsured motorist must file a claim to pay your medical bills for others. This is true even if the insured motorist can recover damages through a lawsuit.

As you can see, a New York auto insurance policy must cover other drivers when necessary. However, just because a car insurance policy covers damage (technical) caused by other drivers, it does not mean that it is sufficient to cover all medical and accident-related expenses.

What You Should Know About Car Insurance After No Fault Overhaul

So, if you believe you have grounds for a lawsuit against the at-fault driver, contact the attorneys at Schwarzfafel today. Our experienced car accident attorneys can provide you with sound legal advice, gather evidence on your behalf, and work to ensure that you are fully compensated for your damages.

For a free case evaluation and more, call Schwarzaffel Lawyers at 1-516-342-2200 and give our award-winning team the honor and privilege of fighting for you!

Nothing on this page should be construed as legal advice. You should seek advice that is appropriate for your situation. Call for more information

If you live in or around New York City, you’ve probably used the Metropolitan Transportation Authority (MTA).

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As you know, you can sue an individual or a private company if you are injured because of them

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Schwarzapfel Lawyers P.K. A leading personal injury law firm with over 150 years of experience. Partner Content: This content was created by a Dow Jones business partner and was researched and written independently of the newsroom. The links in this article may earn us a commission. Far away

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By: Danielle Robinson Author: Danielle Robinson Writer Danielle is a team writer for Guides and has written for numerous automotive news sites and marketing firms across the US, USA and Australia, specializing in automotive finance and car care topics. Daniel – auto insurance, loans, warranty options, auto services and more.

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