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Navigating The Aftermath of an Accident with an Uninsured Driver

Seth Harris

Last modified on January 20, 2024

Involved in an Accident with an Uninsured Driver_ Here’s Your Essential Guide to Navigating the Aftermath

While New York requires all drivers to carry auto insurance, many drivers ignore this requirement. But no matter their reason for not complying, uninsured drivers can still cause a crash and complicate the claims process.

If you sustained injuries in an accident with an uninsured driver in New York, the team at Harris, Keenan & Goldfarb is ready to help.

New York Minimum Auto Insurance Requirements

The New York Department of Financial Services says all auto insurance policies must include the following minimum coverage amounts:

  • No-Fault Coverage – All auto insurance policies must include $50,000 in no-fault Personal Injury Protection (PIP) coverage. This coverage is your first option for recovering compensation after a crash. PIP benefits cover your basic needs after a crash without having to prove that another driver caused your injuries. This coverage pays for your medical bills after a crash and 80 percent of your missed wages, up to a maximum of $2,000 per month.
  • Liability Coverage – Liability coverage pays for any injuries and property damage you cause in your car or another car you drive with the owner’s permission. According to the New York DMV, the minimum liability coverage amounts are $10,000 in property damage coverage, $50,000 in injury coverage if one person sustains injuries or dies in a crash, and $100,000 in injury coverage for multiple injuries or deaths in a single accident. While these are the minimum requirements for your policy, purchasing additional coverage is a smart move if you can afford it.
  • Uninsured motorist coverage – Uninsured motorist coverage pays for your medical care for your accident-related injuries from a crash with an uninsured driver. Unlike some states, New York does not allow you to decline uninsured motorist coverage. Your uninsured motorist coverage must meet the same minimum coverage amounts that you purchase for liability coverage, though you can purchase additional coverage if you wish.

How to Successfully Dispute Fault in a Car Accident

Filing an Insurance Claim After an Uninsured Motorist Accident

Since you cannot decline uninsured motorist coverage in New York, you most likely have it as part of your policy. So, if you get into a crash with an uninsured driver, you have at least one option for recovering compensation. Here’s what to do in these situations:

Steps to Take After an Accident with a Driver Who Has No Insurance

  • Report the Accident: Even if the other driver does not have insurance, it’s crucial to report the accident to the police to ensure there’s an official record.
  • Document Everything: Keep detailed records of the accident, your injuries, medical treatments, and any related expenses.
  • Notify Your Insurance Company: Inform your insurer about the accident as soon as possible, and make sure to mention that the other driver is uninsured.
  • Review Your Insurance Policy: Check your policy’s uninsured motorist coverage for more information on what it covers and your potential compensation.
  • Consult an Attorney: Consult a personal injury attorney who can advise you on your rights and options when dealing with an uninsured driver.

Seeking Compensation from an Uninsured Driver

an injured man speaking to a car accident lawyer in new york in a free consultationYou have a few options available for recovering compensation after a crash with an uninsured driver. The first is to file a claim with your insurance company using your PIP coverage.

Next, you can use your uninsured motorist coverage. Assuming you can support your claim with a police report and other evidence, your insurer should pay for your losses up to the limits of your coverage.

Your next option is to file a personal injury lawsuit against the uninsured driver. Since they don’t have insurance, you can’t file a claim against them, but you can go after their other assets through a lawsuit. However, someone who does not have auto insurance likely does not have many available assets you could use to pay for your injuries.

Another option is to determine whether any other parties contributed to the accident and, if so, file a claim against them. For example, if the accident occurred partly because of poor road maintenance, the government entity responsible for the road’s upkeep may bear some fault for the crash. A car accident attorney can investigate your case and see if anyone aside from the uninsured driver bears responsibility for your injuries.

Finally, if you’ve exhausted both your PIP coverage and your uninsured motorist coverage and still have medical bills, you could use your health insurance to pay them.

Contact Our New York Uninsured Motorist Accident Lawyers Now

Our New York uninsured motorist accident attorneys can help you file claims with your insurance company and evaluate your other options for recovering compensation. Call Harris, Keenan & Goldfarb today at 800-PAIN-LAW or complete our contact form for a free consultation.

Over $500 Million in Verdicts and Settlements

Our track record showcases over $500 million won for our clients. Each victory underlines our commitment to justice and client care. Explore our impact, case by case.



A Brooklyn jury awarded Mr. Vargas $17.5 million for the City of New York’s violation of his civil rights for failing to provide him medical care while in custody. The jury found that the police officers involved failed to provide the necessary medical treatment and awarded $17.5 million to Mr. Vargas.



Harris Keenan & Goldfarb partners Seth Harris and Sheri Holland obtained a $4,730,398.00 jury verdict on behalf of our client who tripped and fell at a private apartment building in the Bronx, suffering a broken foot that developed a very painful, permanent neurological condition called Reflex Sympathetic Dystrophy (“RSD”).



A Bronx jury awarded John Doe over $12 million for an accident on a construction site. John Doe was working when a piece of scaffold weighing 35 pounds fell, striking John Doe in the lower back. John Doe suffered a herniated disc requiring surgical removal of a portion of the disc and permanent nerve damage.



A Bronx jury awarded $10.5 million to the mother of Malcolm Ferguson, who was wrongfully shot and killed by the New York City Police Department. The police officer, Louis Rivera, also a defendant in the case, was found to have used excessive force in violation of Malcolm Ferguson’s civil rights as protected under the United States Constitution.



A Bronx jury awarded plaintiff William Cardoza $4 million for injuries caused by the use of excessive force during an arrest. During the arrest, Mr. Cardoza was pepper-sprayed and repeatedly hit with a police nightstick. As a result, Mr. Cardoza sustained injuries to his hand and finger.



The firm’s client, a 33-year-old teacher’s assistant, was scalded by an espresso machine that exploded while the defendant’s employee was demonstrating how the machine worked. The client was a customer at the defendant’s coffee shop on the date of the accident and suffered first-degree burns to her right (dominant) hand.



The firm represented the mother- decedent and her infant son. During the decedent’s admission to the defendant hospital, the defendant dispensed anesthesia during an epidural to the decedent in an inadequate manner. The mother-decedent suffered personal injuries and wrongful death due to the defendant’s failure to properly administer epidural anesthesia.



Mr.Brennan fell from approximately 25 feet while working on a construction project. He suffered a shattered bone in his right leg requiring surgery and hardware placement. Mr. Brennan also suffered two fractures in his facial bones, and a dislocated finger requiring surgical repair.



The firm’s client was a child with cerebral palsy who was injured as a result of medical malpractice. The firm’s clients claimed improper management of pregnancy, labor, and delivery resulting in brain damage, and received a Brooklyn personal injury settlement.



The firm’s client, a 63-year-old mentally incompetent man, slipped and fell in his own urine while attempting to walk to the bathroom at the defendant’s senior citizen home. The client fractured his hip and as a result is confined to a wheelchair for the rest of his life. The client claimed that the staff of the home failed to properly care for him, and the jury awarded $1,677,835.



The firm’s client, a 47-year-old male, slipped and fell on a public sidewalk in the Bronx. It had snowed four to five days prior to the date of the accident, and the sidewalk was covered with ice. The client suffered a lumbar fracture and a herniated disc. The jury found the city liable and awarded the client a $2,995,000 personal injury settlement in the Bronx.



A Bronx jury awarded plaintiff Luis Molina $2.61 million for injuries sustained when he fell down a subway station stairway. Mr. Molina was caused to slip and fall as a result of a plastic bag that had blown onto the steps from a street opening. As a result of the fall, Mr. Molina suffered a herniated disc and a tear of his right shoulder’s rotator cuff. The jury found that the NYC Transit Authority was liable for the accident.



A Bronx jury awarded Ms. Colon $2.25 million for a trip and fall accident. Ms. Colon was caused to fall when she moved to the right to allow another pedestrian to pass, and her foot rolled to the outside due to the sidewalk being unlevel with the adjoining grass. The jury found the defendant liable and awarded Ms. Colon $2,253,714.00 for her pain and suffering.



A Brooklyn jury awarded Arvella Floyd $1.9 million for a fractured wrist which required multiple surgeries, including an open-reduction internal fixation and a carpal tunnel release. Ms. Floyd was injured when the hot water knob of the shower fell off after numerous complaints to the superintendent, and scalding water spewed toward her, causing her to
fall and break her wrist.



A Bronx jury awarded plaintiff Juanita Young $1,350,000 for injuries caused by the use of excessive force during an arrest. During the arrest, Ms. Young, who is legally blind, was handcuffed from behind, with her children watching, and taken to the top of the stairs to exit the building. The officer proceeded to push her down the stairs multiple times.

What our clients have to say

I am not a client. Just a commuter. What is your advertisement? Fire your marketing manager asap. “Yo, pain law, yo” what is that? 1 start for horrible marketing. Sorry. Job you do is serious and isn’t a joke.
david Santiagodavid Santiago
18:05 21 Mar 24
Maria RoqueMaria Roque
20:49 15 Mar 24
Excellent person, very Professional, they assist you in any language, your call is always answered. I recommend you for any case of support you have, your refund is satisfactory. and fast
14:09 02 Mar 24
I am completely satisfied, and recommend Harris Keenan & Goldfarb as Attorneys to represent anyone. Their care for me physically, and overall helped me stay strong in spite of my injuries. Always available to answer questions, and inform.They got me Justice, and achieved a substantial outcome for my case.I am very impressed, and thankful for their outstanding performance on my behalf.I am very pleased, and significantly satisfied with their representation.‐-Sherylon Wilkins
Robert LennonRobert Lennon
15:26 21 Feb 24
Patient and diligence is how I describe the effort of HKG the work was thorough, honest and fair, I have no complaints. Special thanks to attorney Blake and his paralegal Thierry.
Gene Matos (fanboye)Gene Matos (fanboye)
18:48 15 Jan 24
I first crossed paths with Seth Harris when serving jury duty many years ago. He was so professional and personable, that when my mom was seeking legal counsel for medical malpractice, I told her she had to reach out to his firm. We had meetings with a few different firms, but Harris Keenan & Goldfarb was the only firm that did not try to get us to sign paperwork before even meeting. They took the time to listen and understand our situation before we signed anything, and they were transparent and responsive the whole time. I would like to give special thanks to Samantha Walton, Marla Stein, Val Wallace and Seth Harris for helping my mom through this tough time. They were honest and upfront, and even though Seth Harris wasn't personally on the case, he took the time to meet with us and give us his thoughts on it.
Solange IsaacSolange Isaac
17:52 08 Jan 24
I am pleased with the services provided by Ms Sheri on my case. The team at Harris, Keenan, & Goldfarb were very nice and explained everything to me. Everything that I had questions on they answered without frustration and were prompt and knowledgeable.6 years ago I had a slip and fall accident at my employers place of business. I reached out to them because I knew that I was being wrongfully treated. They took care of the case, restored my self confidence, and brought so much peace to my problem riddled life.I can recommend without a shadow of a doubt the services of Harris, Keenan & Goldfarb to anyone who is in need of someone who will have your back!
Brittany DempseyBrittany Dempsey
16:02 08 Jan 24
My mother had an accident with her ankle back in 2019. I immediately contacted Harris, Keenan & Goldfarb on the day of the accident. They were extremely prompt and helpful. They attended to my mother's case beautifully and she's been recovering well. I'd like to thank you for being so diligent, kind and above all professional. I'd recommend this law firm to anyone who are injured and in need of legal assistance. My mother, Andrea, and I thank you for everything.
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Frequently Asked Questions

Common questions that prospective clients have about personal injury claims include:

  • Do I need an attorney?

    When you have suffered an injury, it can be difficult to know what to do next. If the injury was caused by someone else’s negligence, you may be entitled to compensation. However, filing a personal injury claim can be a complex and time-consuming process. An experienced attorney can help you navigate the legal system and fight for the maximum possible compensation.

  • How do I know I have a case?

  • When should I contact an attorney?

  • How do I determine which one to choose?

  • Once I hire an attorney, what should I expect?

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