What if you get into an accident in New York without insurance?

In the entire state of New York, driving without car insurance is a significant offense. Maintaining your insurance policy is your responsibility as a driver. If this isn’t done, innocent individuals are put in danger.

Insurance providers could not be acting in your best interests. There is no doubt that auto insurance companies offer a helpful service that every driver requires. However, occasionally they put their obligation to their policyholders before concerns about their financial health. 

With Sullivan & Galleshaw, you’ll be working with an expert group of attorneys who will take the time to remind people of their underlying priorities.

Any way you look at it, it’s a no-win situation.

Money can be saved in numerous clever ways. There are better options than risking it all by driving without car insurance. Below are a few reasons why:

  • New York State drivers must place a decal on their cars to prove they have insurance. By not doing so, you are telling everyone that you are breaching the law. The attention of traffic police is assured.
  • The state of New York levies severe fines and reinstatement fees for drivers who fail to maintain vehicle insurance, which can total up to $900. Continued legal violations may lead to your car’s impoundment and your license’s suspension. In addition, you might get arrested.
  • You and your vehicle face significant risks if you drive without insurance: Since New York is a “no-fault” state, every driver is protected by their insurance in the case of a collision. In the absence of insurance, you will be responsible for paying the repairs to your car as well as any medical expenses related to the accident.
  • There is no risk to driving without insurance. Driving without insurance puts you and other people in danger.

What would happen if you were involved in a collision in New York?

Your insurance coverage is meant to pay for your medical expenses as well as a portion of any lost wages. However, it may pay even less depending on the kind of policy you bought. There is no rule that says that insurance companies will pay expenses like pain and suffering, incapacity, and loss of function for damages.

You could bring a case in civil court to ask for the entire range of your losses. In this court, virtually anything you could desire has been granted.

Posted in Law