Underinsured Motorist Attorney Serving Westchester, the Bronx, and the NYC Metro Area
When the At-Fault Driver’s Insurance Is Not Enough
After a serious accident, medical expenses and lost wages can quickly exceed the other driver’s insurance limits. Many drivers in Westchester County and the Bronx carry only minimum coverage, which may not fully compensate injured victims.
Underinsured motorist coverage may allow you to pursue additional compensation through your own policy.
What Is Underinsured Motorist Coverage?
Underinsured motorist coverage—sometimes called SUM coverage in New York—may apply when the at-fault driver’s policy limits are insufficient to cover your injuries.
This type of claim is made through your own insurance company rather than the other driver’s insurer.
When Underinsured Motorist Claims May Apply
UIM coverage may be relevant when:
- The at-fault driver carries minimal insurance
- Medical bills exceed available liability coverage
- Multiple victims share limited policy limits
- Serious injuries require long-term treatment
Reviewing policy details helps clarify whether this coverage applies.
Why Timing Matters
Underinsured motorist claims often involve notice requirements and specific procedures under your insurance policy. Acting promptly can help prevent coverage disputes and protect available options.
Clear Communication and Client-Controlled Decisions
Insurance policy language can feel confusing. Clear explanations help you understand what options exist and how the claim process works. Settlement offers are explained before any decision is made, and nothing is finalized without your approval.
Frequently Asked Questions About Underinsured Motorist Claims
What if the at-fault driver’s insurance isn’t enough?
Your own underinsured motorist coverage may provide additional compensation depending on the limits of your policy.
How do I file an underinsured motorist claim in New York?
These claims typically require notifying your insurance company and following policy procedures. Early review helps avoid missed deadlines.
Can my own policy help after a crash?
Yes. Certain policies include coverage designed to protect you when the other driver lacks sufficient insurance.
Does this apply to hit-and-run accidents?
Some policies may also include uninsured motorist coverage for hit-and-run situations.
Will I control settlement decisions?
Yes. Settlement options are explained clearly, and no agreement is finalized without your consent.
Review Your Coverage With an Underinsured Motorist Attorney
If you believe the at-fault driver’s insurance may not cover your injuries, a focused review can clarify your options. The Law Offices of Daniel A. Kalish serves clients throughout Westchester County and the Bronx with clear communication and structured claim guidance.