Driver who hit me has inadequate insurance.
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Driver who hit me has inadequate insurance.
I was involved in a car accident that was clearly not my fault. Now it looks like the person at fault may not have enough insurance to cover the repairs to my car and my medical expenses. What happens now? He does have a house here by a beach in Nassau County. I did not hire a car accident attorney yet.
Asked on April 12, 2009 under Accident Law, New York
Answers:
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 14 years ago | Contributor
If you have auto insurance, your own med pay should cover any shortfall in the other driver's coverage.
If you have uninsured or underinsured or collision insurance, contact your insurance company -- you have a right to collect under your own policy -- under the collision coverage there is a deductible. Further, your rates cannot go up simply because the other side didn't have enough coverage.
If you had personal injury, and medical expenses suggest you did, see a car accident attorney who handles cases in Nassau County also.
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