COVID-19 Notice: Gersowitz Libo & Korek, PC is fully-operational during the COVID-19 global pandemic. We continue to handle cases and operate remotely, in accordance with mandated safety guidelines. We are available by phone, email or video conference to discuss your case.
Read More from Our Partners


over 900 million recovered for our clients

Helping New York and New Jersey Injury Victims for over 30 Years.


Important Reasons Why You Need Uninsured/Underinsured Motorist Coverage

The Insurance Research Council (IRC) reports that an average of one in every seven motorists in the United States is currently on the road without car insurance.  What this means for you is that if you get into an accident with one of these uninsured or underinsured motorists, you may be responsible to pay for damages that insurance would otherwise cover.

Although it may be frustrating to even think about drivers who are on the road without car insurance, or with your State’s minimum insurance requirements, it should also cause you to seriously think about how you can protect yourself and your loved ones. One of the best ways to do this is to include as part of your own insurance Uninsured/Underinsured motorist coverage.
Why You Need Uninsured/Underinsured Motorist Coverage

What Is Uninsured/Underinsured Motorist Coverage?

Most States automatically provide uninsured motorist coverage.  Uninusred motorist coverage is insurance coverage provided to protect you if you are involved in a vehicle without insurance.  Underinsurance is coverage provided if you are involved in an accident with a vehicle with insurance policy limits less than your personal liability limits.  Underinsured motorist coverage may seem like an unnecessary additional expense – until the moment that you desperately need this coverage, that is.  Think about this: you get into a car accident. The driver of that car who caused the collision has minimal insurance policy limits.  This means, that there is no one for you to go after to seek monetary compensation for your injuries, property damage to your car, and potential loss of income, if they exceed the other car’s coverage.  You will be forced to pay for your own bills out of your own pocket.

Underinsured motorist coverage helps you pay for any cost relating to your accident so you don’t have to be responsible for it personally.  Depending on the limit that you have purchased, you may not need to dip into your wallet.  You can purchase Underinsured motorist for both property damage and bodily injury up to your personal liability limits. In some cases, bodily injury may also cover injuries sustained by other passengers in your vehicle who were injured. The option to cover property damage can be especially important if your car is a newer and/or more expensive make and model.

Uninsured/Underinsured Motorist Coverage – Betting Against The Odds

You never expect to get into a serious car accident. But when you do, it can cause serious physical and emotional pain. Preparing for the unexpected can help offset some of the pain and trauma. Uninsured/Underinsured motorist coverage is an important part of your insurance policy and can provide you with the ease of mind knowing that in the event of an accident involving an individual who is not insured or carrying minimal insurance coverage,  you will have a policy that will provide you with the monetary protection that you need.

We Can Help You

When you are injured in a serious motor vehicle accident, you need to hire an experienced personal injury attorney to protect your legal rights. The New York uninsured motorist car accident attorneys at Gersowitz Libo & Korek P.C. have more than 30 years of experience and knowledge to aggressively fight for your rights and get you the full extent of the monetary compensation that you deserve.

To schedule a complimentary consultation with one of our New York personal injury attorneys, please call 1-800-529-9997.


Client Testimonials

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.
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.
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.
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...
Robin F.
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...
Hazel M.
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...
Amy L.
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.
From beginning to end we were comfortable with the team at GLK. Thank you Mr. Gersowitz (Ed) for obtaining a settlement out of court.
Donna L. S.
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
Cindy C.
section start
Need Help with an Injury? We're Here to Help. Contact Us Today:
  • Disclaimer | Privacy Policy

  • This field is for validation purposes and should be left unchanged.