Most states, including New York, require their drivers and motorists to have liability insurance, but some drivers may not possess enough insurance to cover all injuries and property damage caused by their vehicle. If you find yourself involved in an accident with an underinsured driver, contact an attorney as soon as possible.
Take photographic evidence of damage to vehicles, debris, and any visible injuries. These images will serve as evidence for your underinsured motorist claim and help determine who was at fault. After an accident, either party may have minor or severe injuries, so call for emergency medical help immediately and make sure to keep any receipts from medical costs incurred due to the accident injuries.