Why Proper Auto Insurance Benefits Both Driver and Victim

Running a red light can result in more than just a fender bender. Depending on the logistics of the crash, the driver and victim can suffer everything from broken bones and neck problems to brain damage and even paralysis.

And, unfortunately, at the moment of impact, it is too late to be sure that the driver is Where the victim has adequate insurance coverage.

While bodily injury liability coverage – which covers injuries to the accident victim – is mandatory in New York State, drivers are only required to have a coverage limit of 25,000. $. Liability insurance also protects a driver if he causes an accident and injures someone. And according to Cellino Law’s general counsel, Gregory Pajak, this coverage limit is woefully insufficient.

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“Most people have no idea how much liability insurance they even have,” Pajak said. “When they tell their insurance agent, ‘I want full coverage,’ they just assume they’re covered for everything. Unless you specified a higher amount with your agent when purchasing the insurance plan, you often have the state minimum amount.

Seriously injured people can quickly rack up expenses for hospital stays, physiotherapy and rehabilitation, medications, surgery and emergency care. Additionally, more serious injuries will often require future medical payments and expenses. Individuals typically experience other unpredictable setbacks as a result of an accident, such as the potential for lost wages due to the injury and pain and suffering. The cost of these expenses can easily exceed the $25,000 coverage minimum.

To cover such damages, Pajak recommends individuals carry liability protection of at least $300,000, which he says doesn’t add too much into the monthly insurance premium payment.

“While there is an increase in cost, it’s not as much as one might expect, especially when the end game is that you provide sufficient coverage that not only protects the victim but also you- even,” he said. “It’s heartbreaking when you have someone who thinks their catastrophic injuries are covered by the auto insurance of the person who caused the accident, only to find out they’re only entitled to $25,000 in compensation. compensation.”

“A lot of people hearing that then say, ‘I’m just going to sue the driver and go after his house and his money,'” Pajak said. “But it doesn’t work that way. Since a personal injury judgment is considered an unsecured debt in New York State, suing a driver for more than insurance coverage is generally not a viable option; drivers can simply declare bankruptcy to avoid paying. Bankruptcy is not an option if the person has substantial assets.

In addition to liability insurance, Pajak recommends drivers protect themselves with additional coverage for uninsured motorists, which adds additional protection for people who extend compensation beyond the limits of the other driver, especially if the driver is found to be underinsured or uninsured.

Immediately after an accident, Pajak recommends calling the police to file an accident report, which serves as an official record of what happened. It’s also essential to get immediate medical care for any health need, whether it’s calling a doctor for an appointment or going to the emergency room.

Cellino Law, which has served the Buffalo area for over 60 years, offers risk-free, cost-free initial consultation to all injury victims. You only pay the lawyer if you receive a settlement or compensation.

For more information, call 800-555-5555 or visit cellinolaw.com.

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