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What is uninsured and “under insured” motorist coverage?

Uninsured motorist coverage protects you if you are in an automobile accident with a vehicle that has no insurance coverage. This can occur if an owner did not pay insurance premiums, if a car is stolen, or in a “hit and run” accident. In an uninsured motorist situation you can recover monetary damage for your pain and suffering from your own automobile insurance company, even if you are a pedestrian or riding a bicycle. Uninsured motorist coverage will not pay for property damage to your vehicle so if you do not have collision coverage, you may have to repair your car yourself or junk it without compensation. Also, if you are not covered for uninsured motorist coverage by a car insurance policy, you may be eligible to receive uninsured motorist benefits from a New York State agency, known as MVAIC – Motor Vehicle Accident Indemnification Corporation.

Underinsured motorist coverage is optional automobile insurance coverage for which you pay an extra instance premium. This coverage applies if you are injured by a vehicle with insurance policy coverage limits that are less than the limits of your own underinsured motorist coverage. After the other vehicle’s insurance company pays you its policy limits, you can recover additional money from your own automobile insurance policy.


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What towns do you serve?

We proudly server all of Long Island and New York City Including: Freeport Baldwin Far Rockaway Hempstead Hicksville Hicksville Inwood Long Beach Oceanside Port Washington Roosevelt Uniondale Westbury

What is “No-Fault” insurance?

“No-Fault” insurance, or “Personal Injury Protection” (PIP) pays your medical bills and part of your lost wages for injuries resulting from a motor vehicle accident no matter who caused the accident.

How long will my case take?

There is no absolute answer on how long a case will take from start to finish because every case is different. Some cases can be settled quickly while others take years to resolve. A number of factors

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49 West Merrick Rd, Freeport, NY 11520​  |  516-634-0345  |  jstern@jordansternlaw.com

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