Uninsured/Underinsured Motorist Coverage Forms
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Uninsured/Underinsured Motorist Coverage Information
Uninsured/underinsured motorist coverage provides bodily injury protection for you, the members of your family living within your household and your passengers if you are involved in an accident with a driver who has inadequate liability coverage.
Your auto insurance policy helps provide important financial protection if you are in an accident. The agents at Ten Eyck Group in Albany, New York, can help you understand your options.
Do I Need Uninsured/Underinsured Motorist Coverage?
Drivers living in New York must purchase a minimum amount of auto liability insurance, including uninsured motorist coverage. Underinsured motorist coverage is not required. The New York Department of Motor Vehicles (DMV) uses the Insurance Information and Enforcement System (IIES) to identify uninsured vehicles. Your insurance company must report new policies, renewals, and lapsed and canceled auto insurance policies to the DMV.
Uninsured motorist coverage helps protect you against the financial impact of injuries sustained by you and your passengers if you are involved in an accident with an uninsured driver or are the victim of a hit-and-run accident.
In addition to the basic uninsured motorist coverage required by New York, your agent may recommend that you add an endorsement to your uninsured motorist policy that provides coverage if you travel outside of New York. They may also recommend extending your coverage to include an optional underinsured motorist insurance policy.
How Does Uninsured/Underinsured Motorist Coverage Work?
Your uninsured/underinsured motorist coverage kicks in after the other driver’s bodily injury coverage and your personal injury protection coverage payment. It can help pay for medical costs up to the limits of the uninsured/underinsured motorist coverage policy.
Are Other Auto Insurance Policies Required In New York?
New York also requires drivers to carry minimum amounts of third-party injury liability coverage and property damage liability coverage. No-fault coverage (also called personal injury protection) is another requirement. It helps provide coverage to pay medical expenses, lost wages and other necessary costs for the driver, passengers or a pedestrian injured in an accident with your car.
Get An Auto Insurance Policy Tailored To Your Needs
If you, your family members living with you or your passengers are injured in a hit-and-run incident or car accident where the other driver is at fault, uninsured/underinsured motorist coverage helps protect you from financial harm resulting from medical bills and other costs.
Contact the auto insurance agents at Ten Eyck Group today to get the auto insurance options you need and a free quote.