[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lawyertime.com\/practice-areas\/automobile\/#Article","mainEntityOfPage":"https:\/\/www.lawyertime.com\/practice-areas\/automobile\/","headline":"Automobile \/ Motor Vehicle Accidents","name":"Automobile \/ Motor Vehicle Accidents","description":"New York Auto Accident AttorneysExperienced New York Auto Accident Attorneys for Injured Car Accident VictimsAuto accidents are the most common type of personal injury claims. According to the National Highway Traffic Safety Administration (NHTSA), in 2013, approximately 33,000 Americans lost their lives in motor vehicle traffic accidents and an additional 2.3 million were seriously injured. […]","datePublished":"2011-01-12","dateModified":"2026-08-28","author":{"@type":"Person","@id":"https:\/\/www.lawyertime.com\/author\/lawyertime\/#Person","name":"Jeff S. Korek, Senior Trial Partner","url":"https:\/\/www.lawyertime.com\/author\/lawyertime\/","identifier":6,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a6b585bd9ec0380c318ef0bf03ab217cd00e896106c76b0beaeb0435c083189?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a6b585bd9ec0380c318ef0bf03ab217cd00e896106c76b0beaeb0435c083189?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Gersowitz, Libo & Korek PC","logo":{"@type":"ImageObject","@id":"https:\/\/www.lawyertime.com\/wp-content\/uploads\/2021\/11\/logo2@1X.png","url":"https:\/\/www.lawyertime.com\/wp-content\/uploads\/2021\/11\/logo2@1X.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lawyertime.com\/wp-content\/uploads\/2017\/11\/car-accident-attorney-300x217.jpg","url":"https:\/\/www.lawyertime.com\/wp-content\/uploads\/2017\/11\/car-accident-attorney-300x217.jpg","height":"217","width":"300"},"url":"https:\/\/www.lawyertime.com\/practice-areas\/automobile\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc","name":"What should I do If the person who hits me doesn't have insurance?","description":"The following is brought to you by the law offices of Gersowitz, Libo & Korek.\n\nEd Gersowitz:  Often times, too often, the individual who causes an accident does not have insurance. That doesn't mean that the injured person is any less injured. Where is that compensation going to come from? Where is payment of those medical bills going to come from? Where are the replacement checks for lost wages because this individual can't work anymore going to come from?\n\nNew York State has a corporation, if you will. The Motor Vehicle Accident Indemnification Corporation which will step in and pay statuatory limits of 25,000 dollars per person per injury in the event that there's no insurance on the individual that's caused an accident.\n\nThey're not always easy to deal with and that can be a very time consuming process, more time consuming than a lot of resolution of personal injury lawsuits can take. What I've often advised clients, and unfortunately it's sometimes too late because the accident has already come about, injuries already incured, and the proverbial horse has left the barn, is that they maintain what's known as uninsured motorists compensation on their own insurance policies.\n\nIn the event that they are struck with a vehicle with no insurance, then they can make claim on their own auto policy if they have a vehicle and then they can have a speedier resolution and perhaps more financial resources available through the policy that they purchased.\n\nA lot of times, insurance companies do not necessarily notify people when they are going to take out an insurance policy that they have the option of getting a supplementary under insured motorists' coverage which is actually a little but more on top of uninsured motorists' coverage. I believe there's a requirement that when you have a policy, there is uninsured motorists' coverage that has to be obtained.\n\nIf you or a loved one has been injured due to negligence, please call 800-529-9997, or visit lawyertime.com. Put the team at Gersowitz, Libo & Korek to work for you.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/lBAvOWiHgWc\/default.jpg","https:\/\/i.ytimg.com\/vi\/lBAvOWiHgWc\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/lBAvOWiHgWc\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/lBAvOWiHgWc\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/lBAvOWiHgWc\/maxresdefault.jpg"],"uploadDate":"2015-04-27T06:37:56+00:00","duration":"PT2M28S","embedUrl":"https:\/\/www.youtube.com\/embed\/lBAvOWiHgWc","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCj1oQywO9WLWaLhR9jCpPDg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCj1oQywO9WLWaLhR9jCpPDg","name":"Gersowitz Libo & Korek, P.C.","description":"","logo":{"url":"https:\/\/yt3.ggpht.com\/ytc\/AIdro_k-E2kcitKK-dc05d9ZbsMVuXv__OOaGcNrf_WQs-43FOc=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=lBAvOWiHgWc#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":319}]]}},{"@context":"https:\/\/schema.org","@type":"BreadcrumbList","@id":"https:\/\/www.lawyertime.com\/practice-areas\/automobile\/#BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Practice Areas","item":"https:\/\/www.lawyertime.com\/practice-areas\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Automobile \/ Motor Vehicle Accidents","item":"https:\/\/www.lawyertime.com\/practice-areas\/automobile\/#breadcrumbitem"}]}]