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The Uninsured/Underinsured Motorist Bill

Personal Injury AttorneyUnfortunately, not all drivers on the road comply with the mandatory liability insurance requirements that are imposed upon them by the state of New York. All too often, there are times when drivers who take to the streets are either uninsured or underinsured. However, New York’s lawmakers have passed a bill that will protect drivers from such negligent vehicle operators.

The SUM bill amends the current Insurance Law to shield policyholders and their loved ones from injuries that are incurred due to uninsured/underinsured negligent vehicle operators. More specifically, the SUM bill would make it mandatory that a driver’s supplemental uninsured/underinsured (SUM) coverage equals his or her liability coverage (except in cases where the driver declines additional coverage after being told about the benefits and minimal costs of the additional protection). As it stands today, the majority of drivers don’t even know that they can buy increased affordable SUM coverage.

How Can You Recover on an Uninsured/Underinsured Motorist Claim?

In order for an individual to recover on an uninsured motorist claim, the insurance company will have to make a finding that there was no insurance coverage for the driver (or the vehicle) who was at-fault at the time of the accident. That said, when an individual makes a claim under their uninsured motorist policy, he/she needs to provide the insurance company with “proof of physical contact” and medical proof that their injuries (or property damage) stemmed from such contact.

In order to recover on an underinsured motorist claim, your success will depend primarily on the amount and level of coverage that you have on your policy and the amount of insurance the at-fault driver is carrying. You should note that underinsured policy coverage is only triggered when an individual’s policy is greater than the at-fault driver’s policy and after the at-fault driver’s policy has been depleted.

If you or someone you love has been the victim of a personal injury or accident, please contact Gersowitz, Libo & Korek, P.C. personal injury lawyers serving injured victims in New York and New Jersey at 800-LAW-9997.

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Ed Gersowitz and all his colleagues at the firm Gersowitz Libo & Korek, PC far exceeded all my expectations for a personal injury law firm. From the moment...
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I am giving this law firm 6 out of six thumbs up. Very professional very personal and compassionate staff. From the Attorneys to the staff they were all...
Anthony C.
A few years ago I was misdiagnosed and nearly ended up becoming a quadriplegic. Three spinal fusions followed. I asked my sister, a top D.C. lawyer, to find the name of the best personal injury lawyer in NYC, and I was referred to Jeff Korek of... Gersowitz Libo and Korek. It was a tough time for me, but Jeff and Irene were great and helped me through it every step of the way. They were compassionate, understanding and very accommodating, yet professional and always with their fingers on the pulse. They really care about the welfare of their clients, and not just money driven. When I was unable to travel, Jeff came to me, and I live an hour from the city. This firm is well known, well established, and has earned the respect and credibility among its peers. I highly recommend the firm of Gersowitz Libo and Korek without hesitation and, in fact, I already have. My thanks go out to the entire team for a better than expected outcome!!! They get a 5 out of 5 stars from me!!read more
Mary S.
I was injured in 2011 and spent nearly 8 years with Ed Gersowitz and Jeff Korek. Their professionalism and care was beyond. The process was long and at times exhausting but Ed. Jeff and their team made me feel comfortable and in great hands. I... can't thank them enough and would highly recommend GLK to all. Thank you for all your help!read more
Jeremy N.
They were incredibly professional and pleasant to work with. They made the personal injury process straightforward and easy to navigate. I appreciated their...
Lindsay L.
La mejor firma de abogados, muy profesionales, excelentes persona, todo el tiempo estuvieron pendientes de mi y mis necesidades, estoy muy agradecida con ellos.
Maricela O.
Thank you to the team at Gersowitz Libo & Korek, and especially to our wonderful attorney Anthony Makarov. Mr. Makarov was our trial attorney who took our...
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Thank you to the team at Gersowitz Libo & Korek and special thanks to attorney Daniel, Avi and Annette for all your help on my case. Dealing with the law...
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Jeff and Michael are both very professional and helpful towards my case. I would like to thank the team and Irene, the assistant, for all their help despite the length of time that the case took. They took a lot of care and were patient with... answering any inquiries that I more
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From beginning to end we were comfortable with the team at GLK. Thank you Mr. Gersowitz (Ed) for obtaining a settlement out of court.
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