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Underinsured Motorist Coverage

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By Dansker & AspromonteJuly 24, 2016

It is common knowledge that if a person is involved in a motor vehicle accident in New York State and they are injured, a lawsuit can be brought to recover money damages. Most people are aware that the money recovered in such a lawsuit is usually paid by the insurance company that insures the motor vehicle that was being operated in a negligent or reckless manner. This is known as motor vehicle liability insurance coverage.

In New York State, like most states, the law requires anyone who owns a motor vehicle to purchase liability insurance coverage. In fact, anyone who operates a motor vehicle must ascertain that there is insurance coverage in force on the vehicle even if they do not own it. The law in New York also requires that the insurance policy must provide at least $25,000 in personal injury coverage. The minimum allowable insurance coverage policy is known as a 25/50 policy. That means that the policy will cover any one person injured in an accident up to a maximum of $25,000 for his or her bodily injuries. In the event that two persons are injured in the same accident, the policy will pay up to $25,000 to each of the injured persons. In no event will the insurance company be forced to pay more than a total of $50,000 for all the injured parties in one accident. This means that if three or more people were involved and injured in the same accident, the three or more injured people would have to share the $50,000 of insurance coverage.

If you or someone that you know has ever been injured in a motor vehicle accident, you know how little $25,000 can be. Serious injuries cannot be fairly compensated by an insurance policy that affords only $25,000 in coverage. In order to protect yourself from this situation, you can purchase Underinsured Motorist Insurance coverage from your own motor vehicle insurance company. If you own a motor vehicle and you have Underinsured Motorist coverage, your insurance company will pay you money for your injuries when the amount of insurance on the vehicle that caused the injuries is too low to fairly compensate you.

For a free legal consultation, call (212) 540-2984

You can purchase varying amounts of underinsured motorist insurance. If you have $50,000 of Underinsured Motorist coverage, and you are injured by someone who only has a $25,000 liability policy, you can recover a total of $50,000 for your injuries instead of only $25,000. In addition, you can purchase Underinsured Motorist coverage in higher amounts of $100,000 and more. Even if you do not own a motor vehicle yourself, you are entitled to the Underinsured Motorist coverage that is contained in any insurance policies that insure motor vehicles owned by your family members who live in your household.

Also, in the event that the motor vehicle that causes your injury is not insured and you own and insure a vehicle, your policy will cover you up to a minimum of $25,000. Just like underinsured coverage, you can increase the amount of your uninsured motorist insurance coverage.

If you compare the cost of the extra coverage for underinsured or uninsured coverage to what you are paying for your insurance without it or with minimum amounts, you will be surprised as to how inexpensive the extra coverage costs. It pays for you to look into this and purchase what you can afford. If you have any questions, you should call an attorney experienced in the handling of motor vehicle accident cases, including car accidents, bus accidents, truck accidents and pedestrian accidents.

Our firm is also dedicated to helping clients affected by construction accidents, major injuries, wrongful death, and additional types of personal injury.

Call or text (212) 540-2984 or complete a Free Case Evaluation form

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Un joven chino con discapacidad de desarrollo de 21 años caminaba con algunos amigos después de la escuela cuando salió al cruce de peatones contra la luz y un autobús de la ciudad que estaba girando demasiado cerca de la esquina lo golpeó.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn, lo que lo dejó en coma y con graves lesiones cerebrales.
Esta contable caminaba después del trabajo en Battery Park en el paseo peatonal cuando de repente fue golpeada por una motoneta de la policía que iba a gran velocidad.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
La Sra. Y-H, pasajera en un tren del metro que descarriló.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn.
Un repartidor en bicicleta de 26 años fue golpeado por una camioneta Dollar Rent-A-Car que iba a gran velocidad en una intersección concurrida, causando múltiples fracturas en el cuello, espalda, brazo y pierna, así como daños cerebrales leves.
Christian, un niño de 4 años, fue llevado al hospital para una reparación rutinaria de párpados caídos. El hospital, en una medida de reducción de costos, había contratado sus servicios de anestesia en quirófano a una corporación que empleaba principalmente enfermeras anestesistas en lugar de médicos capacitados para administrar anestesia.
Un niño sufrió lesiones graves después de caerse mientras corría detrás de su autobús escolar y ser atropellado por las ruedas traseras. Este caso demuestra la habilidad de la firma para obtener compensación en accidentes que involucran autobuses escolares y menores.
Un joven chino con discapacidad de desarrollo de 21 años caminaba con algunos amigos después de la escuela cuando salió al cruce de peatones contra la luz y un autobús de la ciudad que estaba girando demasiado cerca de la esquina lo golpeó.
La Sra. Y-H era una pasajera en un tren del metro que descarriló.
Un ayudante de camarero de 20 años fue atropellado por un automóvil en Ocean Parkway en Brooklyn, sufriendo lesiones graves, incluyendo un coma. Aunque es un caso de peatón, el incidente involucra un vehículo y demuestra la experiencia de la firma en manejar accidentes graves de tránsito.
A pesar del hecho de que este caso fue referido a Dansker & Aspromonte LLP Associates por otro abogado 17 años después de que ocurriera el accidente, se obtuvo un veredicto impresionante a través de una investigación cuidadosa y una preparación incansable.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Este caso involucró a una niña de 6 años que estaba en una camioneta que fue golpeada por una ambulancia en un choque de varios autos en el Northern State Parkway en Long Island, Nueva York.
Una oficial de la Policía de la Ciudad de Nueva York de 35 años sufrió lesiones graves mientras era pasajera en un automóvil policial en camino a una llamada de emergencia.
Un carpintero de 46 años cayó de una escalera que resbaló en el sitio de trabajo, lo que le causó lesiones significativas. Este caso ilustra la experiencia de la firma en accidentes de equipo defectuoso en entornos de construcción.
Un carpintero de 30 años cayó de una escalera en un sitio de trabajo en una tienda minorista, resultando en lesiones graves. Este caso subraya la capacidad de la firma para asegurar compensación en accidentes de caídas en proyectos de construcción.
Un inmigrante mexicano sin documentación cayó 30 pies desde un andamio en un sitio de construcción, sufriendo lesiones graves al impactar contra el cemento. Este caso demuestra la experiencia de la firma en caídas en el lugar de trabajo, comunes en la construcción.
Un trabajador de construcción sufrió fracturas en el hombro, clavícula, costillas y cadera, además de lesiones internas que requirieron múltiples cirugías. Este caso destaca la habilidad de la firma para manejar lesiones graves en el lugar de trabajo.
Baby S was born with a congenital hip dislocation which was not anyone’s fault. However, malpractice occurred when the doctors and hospital did not recognize the condition after she was born. Their failure to diagnose and properly treat the condition resulted in a slight but permanent deformity.
Julio, 16, was an outpatient at the Manhattan Children’s Psychiatric Hospital where he attended school and got psychiatric counseling and supportive therapy every day. The NYC Board of Ed operated the school. One day after school, Julio ran after his bus, which was leaving without him. He slipped and was run over by the back wheels, sustaining severe injuries, including bilateral hip fractures and a shearing injury to his buttocks. Board of Ed rules required that Julio was to be escorted to the bus. The NYCTA denied liability, claiming they weren’t negligent because Julio ran after the bus. The City denied liability because they claimed the school day was over. At trial, both the Board of Ed who had knowledge of Julio’s poor impulse control and was required to put him safely on the bus, and the NYCTA whose bus driver saw Julio running and made no effort to slow or stop the bus were found to be responsible.
Baby Taylor C. – Taylor’s mother had gained over 50 pounds during the pregnancy, was past due, and had a prolonged first stage and second stage of delivery. These are warning signs of an overly large baby. Baby Taylor was 9 lbs. 13 oz. Instead of delivery by C-section, which was clearly indicated, the attending physician elected a natural birth. When the baby was stuck in the pelvic area, excessive force was used to pull her out, injuring the nerves in her neck and causing partial paralysis of her left arm. The condition is known as Erbs Palsy. The case was settled during the trial. Fortunately, Baby Taylor’s injury improved over time.
Ayisha W- A young girl slid down a sliding pond in the playground of an NYC school. The slide was not installed properly and there was a gap between the metal on the side of the slide. As Ayisha slid down, her ring finger went into the gap and the top of it was cut off. The City argued that since it was just the tip of her finger it was not worth much money. At trial, it was proved that Ayisha had a devastating emotional reaction that affected every aspect of her life and self-esteem. The jury agreed.
A 46-year-old carpenter was working on a straight ladder which had been leaned against the wall on a jobsite. He fell when the ladder slipped away from the wall. As a result, he suffered facial injuries and a fractured knee that required surgery. The property owner and general contractor were found to be responsible because Jian S. should have been provided with a more suitable A-frame ladder or scaffolding.
A 30-year-old carpenter who was working at a job site in a retail store fell from a ladder onto both feet. He suffered bilateral calcaneus fractures requiring multiple surgeries.
An undocumented Mexican immigrant working on scaffolding at a construction site fell 30 feet onto the cement. He fractured his skull and vertebrae in his neck and back. It was shown at trial that the company he worked for failed to provide him with a safety line, which would have prevented his fall.
Following a 4- story fall, a construction worker at a West 17th Street construction site in Manhattan recently won a $5.5 million dollar settlement from the general contractor and building owner for failing to provide him with a safe workplace. Defendants had argued that the fall was the result of the 56 year old construction worker’s own carelessness but Dansker & Aspromonte Associates LLP lawyers were able to prove otherwise. As a result of his fall, the construction worker suffered fractures of his shoulder, clavicle, ribs and hip, as well as internal injuries which required multiple surgeries. These injuries required home care which was primarily provided by his wife who also received a payment of $500,000 as part of the settlement. To minimize their own responsibility, the general contractor and building owner claimed that the worker had made an excellent recovery when he had not. In order to prove the case, Dansker & Aspromonte Associates LLP retained 5 separate experts to illustrate the full extent of the worker’s injuries and the disabling effect they would have over the course of his life.
Maria, a housekeeper, was walking across Ocean Parkway in Brooklyn in the crosswalk when she was struck by a school bus and thrown over 25 feet. She sustained severe injuries, including multiple fractures. The bus driver claimed that he had a green light and was travelling at a safe speed. Unfortunately, Mrs. S. could not recall any of the facts of the accident. Our investigator combed the area for witnesses. He found a woman who lived on the sixth floor of an adjacent apartment building. Although she didn’t see the accident, she happened to look out her window and saw Maria’s body lying in the roadway down the street. Using this testimony, our accident reconstruction expert was able to prove that the bus had to be speeding to knock Maria that far from the crosswalk. The case was settled immediately after that testimony.
Our client was a married NYC Parks Department employee. On a snowy night in Staten Island, he was preparing his truck to spread salt on the roadways. He drove the spreader truck to the salt storage yard. As he waited alongside his truck, the operator of a front loader truck used to place the salt in the spreader lost control of the loading bucket. Sadly, he was struck by the bucket, suffered massive injuries and died in the hospital several hours later.
A 21-year-old developmentally disabled Chinese boy was walking with some friends after school when he stepped out into the crosswalk against the light and a City bus which was turning a little too close to the corner struck him. The young man had crippling injuries which prevented him from leaving the hospital where he died several months later. Despite the fact that eyewitnesses said the boy stepped into the street against the light, the law reduces an injured person’s share of liability in accordance with their mental capacity. At trial, it was proven through a guidance counselor from his school that he was intellectually comparable to a seven-year-old. Thereafter, the jury determined that this young man was not legally responsible for his actions and awarded 100% in his favor on the liability portion of the trial
In one of the most tragic cases this office has seen, two mothers and their four teenagers were driving to a high school swimming meet on the New York State Thruway in a van. When the driver suspected a flat tire, instead of pulling over onto the shoulder, the mother of two of the children inexplicably stopped the van in the right moving lane of traffic. Within a very short time, the driver of a tanker truck traveling at a steady 65 miles an hour who claimed not to see the stopped van, struck it at full speed, literally cutting the van in half. There were two survivors with grave injuries and four fatalities. We secured the maximum insurance that was available to cover these claims.
Following a 4- story fall, a construction worker at a West 17th Street construction site in Manhattan recently won a $5.5 million dollar settlement from the general contractor and building owner for failing to provide him with a safe workplace. Defendants had argued that the fall was the result of the 56 year old construction worker’s own carelessness but Dansker & Aspromonte Associates LLP lawyers were able to prove otherwise. As a result of his fall, the construction worker suffered fractures of his shoulder, clavicle, ribs and hip, as well as internal injuries which required multiple surgeries. These injuries required home care which was primarily provided by his wife who also received a payment of $500,000 as part of the settlement. To minimize their own responsibility, the general contractor and building owner claimed that the worker had made an excellent recovery when he had not. In order to prove the case, Dansker & Aspromonte Associates LLP retained 5 separate experts to illustrate the full extent of the worker’s injuries and the disabling effect they would have over the course of his life.
Un trabajador de construcción de 50 años estaba montando su bicicleta cuando cayó debido a un defecto en la carretera y sufrió pequeñas fracturas y daños cognitivos leves.
Un trabajador de mantenimiento de 31 años golpeó un sensor de presión de control de tráfico de la ciudad de Nueva York mientras montaba su bicicleta. Debido a un mal mantenimiento del sensor, el trabajador sufrió lesiones graves.
Una mujer y su novio estaban andando en bicicleta cuando entraron en un sitio de excavación sin protección en una zona completamente oscura bajo un paso elevado. La bicicleta de Rhonda cayó en un pozo y su cara se estrelló contra la carretera.
Un repartidor en bicicleta de 26 años fue golpeado por una camioneta Dollar Rent-A-Car que iba a gran velocidad en una intersección concurrida, causando múltiples fracturas en el cuello, espalda, brazo y pierna, así como daños cerebrales leves.
La madre de Taylor había subido más de 50 libras durante el embarazo, estaba atrasada, y tuvo una prolongada primera y segunda etapa del parto.
Una joven madre china por primera vez resultó herida debido a la negligencia médica de los médicos y el personal de lo que entonces era el Hospital Beekman Downtown.
Un bombero de 42 años, que antes había corrido más de 30 maratones, se cortó la pierna mientras luchaba contra un incendio.
Christian, un niño de 4 años, fue llevado al hospital para una reparación rutinaria de párpados caídos. El hospital, en una medida de reducción de costos, había contratado sus servicios de anestesia en quirófano a una corporación que empleaba principalmente enfermeras anestesistas en lugar de médicos capacitados para administrar anestesia.
Un guardia de seguridad resbaló en una superficie helada frente a un edificio propiedad de Metropolitan Life, lo que le causó una fractura de rodilla.
Una asistente de salud en el hogar de 56 años tropezó con un cable expuesto que se extendía desde una cabina telefónica en la plataforma del metro, resultando en una lesión que requirió un reemplazo de rodilla.
Un conductor de servicio se bajó de su vehículo para recoger dinero en el carril de un Burger King cuando cayó a través de una rejilla de alcantarillado rota, resultando en una caída de 4 pies y lesiones significativas.
Un trabajador de construcción indocumentado cayó desde un andamio a 30 pies de altura, impactando contra el cemento y sufriendo lesiones graves. Este caso muestra la experiencia de la firma en caídas graves en el trabajo, que se relacionan con incidentes de resbalones y caídas en entornos peligrosos.
Un niño de 16 años fue atropellado por un camión que estaba retrocediendo lentamente y quedó atrapado contra una pared, sufriendo una grave laceración en el bazo, que tuvo que ser removido.
Adjudicado al cónyuge. El Sr. S. era un empleado casado del Departamento de Parques de Nueva York. En una noche nevada en Staten Island, estaba preparando su camión para esparcir sal en las carreteras
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
Adjudicado al cónyuge. El Sr. S. era un empleado casado del Departamento de Parques de Nueva York. En una noche nevada en Staten Island, estaba preparando su camión para esparcir sal en las carreteras
Adjudicado a la familia. Un hombre de 49 años cayó por el hueco de un ascensor cuando las puertas del ascensor se abrieron, pero la cabina del ascensor estaba en un piso superior.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Este accidente ocurrió en el Bronx cuando Rafael C. estaba trabajando en un camión de saneamiento. El conductor perdió el control al girar el vehículo.
Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.Una pasante de teatro de 22 años caminaba por la intersección de la calle 42 y la Novena Avenida en Manhattan cuando fue golpeada por la puerta trasera de un camión que pasaba cuando la puerta abrio volando porque no había sido asegurado correctamente por el conductor.
En uno de los casos más trágicos que ha visto esta oficina, dos madres y sus cuatro adolescentes conducían a una reunión de natación de la escuela secundaria en el New York State Thruway en una camioneta.
Un bombero de 42 años, que antes había corrido más de 30 maratones, se cortó la pierna mientras luchaba contra un incendio.
Un Oficial de la Policía de la Ciudad de Nueva York de 35 años era una pasajera en un automóvil de la policía que iba a una llamada de emergencia.
An undocumented Mexican immigrant working on scaffolding at a construction site fell 30 feet onto the cement. He fractured his skull and vertebrae in his neck and back. It was shown at trial that the company he worked for failed to provide him with a safety line, which would have prevented his fall.
Julio, 16, was an outpatient at the Manhattan Children’s Psychiatric Hospital where he attended school and got psychiatric counseling and supportive therapy every day. The NYC Board of Ed operated the school. One day after school, Julio ran after his bus, which was leaving without him. He slipped and was run over by the back wheels, sustaining severe injuries, including bilateral hip fractures and a shearing injury to his buttocks. Board of Ed rules required that Julio was to be escorted to the bus. The NYCTA denied liability, claiming they weren’t negligent because Julio ran after the bus. The City denied liability because they claimed the school day was over. At trial, both the Board of Ed who had knowledge of Julio’s poor impulse control and was required to put him safely on the bus, and the NYCTA whose bus driver saw Julio running and made no effort to slow or stop the bus were found to be responsible.
Baby Taylor C. – Taylor’s mother had gained over 50 pounds during the pregnancy, was past due, and had a prolonged first stage and second stage of delivery. These are warning signs of an overly large baby. Baby Taylor was 9 lbs. 13 oz. Instead of delivery by C-section, which was clearly indicated, the attending physician elected a natural birth. When the baby was stuck in the pelvic area, excessive force was used to pull her out, injuring the nerves in her neck and causing partial paralysis of her left arm. The condition is known as Erbs Palsy. The case was settled during the trial. Fortunately, Baby Taylor’s injury improved over time.
Ayisha W- A young girl slid down a sliding pond in the playground of an NYC school. The slide was not installed properly and there was a gap between the metal on the side of the slide. As Ayisha slid down, her ring finger went into the gap and the top of it was cut off. The City argued that since it was just the tip of her finger it was not worth much money. At trial, it was proved that Ayisha had a devastating emotional reaction that affected every aspect of her life and self-esteem. The jury agreed.