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Auto Accidents and Insurance Coverage

by: Michael Rose

We frequently encounter situations when our clients are severely injured in automobile accidents. Unfortunately, New York State Law permits vehicles to carry a minimum of $25,000 in insurance coverage. This can leave the victim with no means of proper recovery.

It is therefore vital to be aggressive in pursuing all means of available insurance. Vehicle owners stand in the same shoes as a responsible driver in the eyes of the law. This means that any insurance available to the owner of a vehicle can cover the negligent driver. If an owner or driver of a vehicle carries umbrella coverage, this can be available to the injured party. Also, if a driver is “in the course of employment” at the time of an accident, an employer corporation can be legally responsible. We often subpoena insurance brokers of the responsible party to insure that all coverage has been identified.

We recently took over a case from another attorney where our client had been told there was only $500,000 in available insurance coverage. By refusing to accept this as true, and through aggressive legal work, we were able to uncover an additional 1 million dollar insurance policy. By identifying all available insurance, our clients are in the best position possible to receive full and fair compensation.

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