Hit by an Uninsured Driver in New York? Here's What to Do

Uninsured Motorist Coverage

Every New York auto policy must include uninsured motorist (UM) coverage. If you're hit by a driver with no insurance — or by a hit-and-run driver who's never identified — your own UM coverage steps in to compensate you for your injuries, much as the at-fault driver's policy would have.

Underinsured Motorist Claims

If the at-fault driver's coverage is too low to cover your damages, supplementary underinsured motorist (SUM) coverage — if you purchased it — can make up part of the difference. Reviewing your own policy limits is an important early step.

What Is MVAIC?

The Motor Vehicle Accident Indemnification Corporation exists to help qualifying New York residents injured by uninsured or unidentified drivers when no other coverage is available. Strict notice deadlines apply, so don't wait to explore this option.

Don't Go It Alone

Insurers handle UM and SUM claims the same way they handle any other — by trying to minimize payouts. Because you're now negotiating with your own carrier, having an attorney can help ensure you're treated fairly.