There are many dangers on the road in New York and many negligent drivers. Due to this combination there are also many car accidents every year as well. The severity of the accidents does vary but in some instances people have significant damage to their vehicles and suffer severe injuries as a result. It is important that the victims are compensated for these injuries and that is why drivers in New York are required to have car insurance. They are also required to stay at the scene of an accident to provide the other driver with contact information.
This does not always happen though for a variety of reasons and sometimes innocent drivers are the victims of hit-and-run accidents. These can leave the victim in a very difficult position because they do not know who the other driver is much less whether they have sufficient insurance to pay for all the damages they caused. However, if the victim of the accident has uninsured or underinsured coverage through their own insurance policy they still may be able to receive compensation.
There are certain requirements that must be followed. The first is that the claim must be made as soon as possible. The second is that the victim must demonstrate that the accident was caused by the negligence of the other party. Next they must demonstrate that there was actual contact made by the vehicle which left the scene and make a sworn statement to that effect within 90 days of the accident. The victim also must be covered by the insurance policy. Finally the injuries must be caused by the accident.
While the law in New York requires people to have car insurance and stay at the scene of any accident, people do not always follow the laws. This can leave the victims in a terrible position as they try to figure out how to pay for the damages, but the victims may be able to still receive compensation through their insurance company. It is important that they meet the requirements in order to receive that compensation. Consulting with an experienced attorney may be beneficial.