Motor vehicle accidents have many causes: inattentive drivers, intoxicated drivers, dangerous weather conditions and even poor road maintenance. No matter what the cause, the impact can be devastating. Contact our firm today to schedule a consultation and case evaluation with an attorney.
Learn More About Motor Vehicle Accidents
My name is John Kingsley, and as an attorney, I help people who have been injured in motor vehicle accidents in Greene, Columbia and Ulster counties in the Catskills region of New York. To learn more about what I can do help you recover fair compensation for your injuries and other losses, please visit the car, motorcycle and truck accident sections of this Web site.
I have provided some general information to educate you about how the law applies in these cases. For more specific information and a free consultation with an experienced lawyer — call or contact me directly.
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Attorney John P. Kingsley helps injured persons and grieving families who have been harmed as the result of motor vehicle accidents in the Upper Hudson River Valley. To put more than 40 years of experience on your side, call or contact the firm today and ask to schedule a free consultation.
Injured in a car, truck or motorcycle accident in the Catskills region of New York? Do not hesitate to call me, attorney John P. Kingsley, for help in obtaining fair compensation for your losses. You can reach my law offices at 518-291-4843 or 888-508-5537 (toll free). There is no charge for the initial consultation.
Uninsured and Underinsured Motorists
When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him- or herself at risk. If the driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney at John P. Kingsley, P.C. in Catskill, New York, to create a plan of action.
Uninsured Motorists
Even if your state requires all drivers to carry auto insurance, the driver who injured you or your passenger may not have had insurance. Or you may have been hurt in a hit-and-run accident, making it impossible to identify the driver at all.
This is when uninsured motorist coverage will step in to protect your interests. Many states require auto insurance companies to offer uninsured motorist coverage. If your insurance company offers uninsured motorist coverage, and you chose to include it in your policy, then your insurance company will act as if it were the at-fault driver’s insurance company in compensating you.
When you file an uninsured motorist claim, your insurance company’s interests can be adverse to your interests. Consulting with an attorney before filing a claim is wise.
Underinsured Motorists
When the at-fault driver is underinsured, this means that the driver has purchased an auto insurance policy that does not provide enough coverage for your damages. If you have underinsured motorist coverage, you may be able to collect, from your own insurance company, the amount of your damages that exceeds the at-fault driver’s insurance coverage.
Collecting Insurance Benefits
To recover benefits under an uninsured or underinsured motorist policy, the victim typically will need to show that the other motorist was at fault. The victim will also need to prove that his or her bodily injuries were significant. To collect benefits under an underinsured motorist policy, the victim will need to collect as much as possible from the at-fault driver’s insurance company first.
Stacking Insurance Coverage
In some states and under some insurance policies, an injured party may “stack” various policies to reach a satisfactory level of compensation. By stacking coverage from more than one auto insurance policy — or coverage for more than one car on a single policy — the injured party increases monetary recovery. Stackable coverage is not allowed in every state; in some cases, the insured must choose to have stackable coverage upon purchasing the policy.
Contact an Attorney
Uninsured and underinsured motorist coverage protects accident victims when they are most vulnerable. Not every policy has such coverage, however, and the victim’s approach to the situation can change the level of compensation he or she receives. Indeed, some rules do not require the victim’s insurance company to pay the victim if the victim settles prematurely with the at-fault motorist’s insurance company. This is why it is so important to work with an experienced attorney from John P. Kingsley, P.C. in Catskill, New York.
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