Hit by an Uninsured Driver in NY You Still Have Options for Full Recovery
The at-fault driver has no insurance? That does not mean you are out of luck. Our NY uninsured motorist attorneys pursue UM/UIM coverage, MVAIC, and other avenues to ensure you are fully compensated.
Our NY uninsured motorist attorneys have recovered over $90 million for clients hit by drivers with no insurance across New York State.
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You Are Not Out of Luck
Hit by an Uninsured Driver? You Still Have Strong Options
Thousands of New York drivers operate vehicles without insurance every day. When one of them hits you, the situation feels hopeless — but it is not. New York law requires every auto insurance policy to include Uninsured Motorist (UM) coverage, which protects you precisely in this situation.
Our attorneys also pursue Underinsured Motorist (UIM) coverage when the at-fault driver has insurance but not enough to cover your damages. For qualifying cases where no other coverage exists, we explore the Motor Vehicle Accident Indemnification Corporation (MVAIC), a state fund designed to compensate innocent victims.
- Uninsured Motorist (UM) coverage in your own policy
- Underinsured Motorist (UIM) coverage for low-limit policies
- Motor Vehicle Accident Indemnification Corporation (MVAIC)
- Household vehicle policies that may cover you
- Pursuit of the uninsured driver's personal assets
UM/UIM Coverage
Understanding Your Uninsured Motorist Protection
Most New York drivers do not realize their auto policy includes UM coverage equal to their liability limits — typically $25,000 per person or higher. This coverage pays for your medical bills, lost wages, pain and suffering, and other damages when the at-fault driver has no insurance.
UIM coverage applies when the at-fault driver has insurance but not enough to cover your total damages. For example, if a driver with a $25,000 policy hits you and your damages total $150,000, we pursue the at-fault driver's $25,000 policy AND your UIM coverage for the remaining $125,000.
Get Free Case ReviewCase Results
Results That Speak for Themselves
$3.8M
UM Full Policy Recovery
Uninsured driver hit pedestrian, UM policy paid full $3.8M limits
$3.2M
UIM Stacked Coverage
Low-limit driver caused TBI, UIM coverage paid remaining damages
$2.9M
MVAIC Recovery
No insurance on either side, MVAIC compensated victim fully
$2.5M
Household Policy
Victim didn't own car but was covered under parent's UM policy
$2.1M
UM + Personal Assets
Uninsured driver pursued personally after UM policy exhausted
$1.8M
Multi-Vehicle UM Claim
Uninsured driver caused multi-car pileup, multiple UM claims filed
Results may vary depending on your particular facts and legal circumstances. Past results do not guarantee future outcomes.
Client Reviews
What Our Clients Say
“The driver who hit me had no insurance. I thought I was stuck. My attorney found UM coverage in my policy I didn't know existed and got me $3.8 million.”
David K.
Syracuse, NY · UM Recovery
“The driver had a $25K policy but my injuries were severe. My lawyer got the $25K then pursued my UIM coverage for another $2.95 million.”
Sandra M.
Queens, NY · UIM Recovery
“No insurance anywhere. My attorney filed with MVAIC and I got $2.9 million. I had never even heard of that program before.”
James T.
Albany, NY · MVAIC Recovery
“I don't own a car but my mom does. My attorney found I was covered under her UM policy and recovered $2.5 million for me.”
Rosa C.
Bronx, NY · Household Policy
“The driver had no insurance but owned property. My attorney got the UM policy then went after their assets personally for another $2.1 million.”
Marcus T.
Buffalo, NY · UM + Assets
“An uninsured driver caused a five-car pileup. My lawyer filed UM claims for multiple victims and I got $1.8 million.”
Jennifer L.
Rochester, NY · Multi-Vehicle UM
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