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What should I do if the driver who hit me was underinsured and I don’t have UIM Coverage?

If you’re injured in an accident in New York, and sadly, you find out that the nature of your injuries are extremely serious and then when we look at the other driver’s insurance policy, we realize they have minimum coverage. What we’re going to do is move quickly to get you the settlement that you deserve and maximize that coverage by getting a policy tender, meaning getting all the insurance from the other driver. We are then simultaneously looking at your own insurance coverage. And if you have underinsured motorist coverage, there could be more available to you. Unfortunately, we’re going to be limited by the amount that the other driver had, which is why we always encourage people to look at your insurance policies, talk to your insurance agent, and make sure if you can afford it that purchasing that underinsured motors coverage to protect you in those types of situations.

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