Being involved in a car accident is stressful under any circumstances, and that stress can increase when the at-fault driver has no insurance. Unfortunately, uninsured motorists remain a real concern in White Plains and throughout Westchester County, even though New York law requires liability coverage.
If you were injured by an uninsured driver, you still have options. A knowledgeable car accident lawyer in White Plains, NY can help you understand your rights and pursue compensation for medical bills, lost wages, and other damages.
At the Law Office of Michael Tawil, our team helps accident victims navigate uninsured motorist claims and insurance disputes every day.
What to Do Immediately After an Accident with an Uninsured Driver
The steps you take right after a crash can significantly impact your ability to recover compensation.
1. Call the Police and Seek Medical Care
Always contact law enforcement, even if the accident seems minor. A police report provides documentation that supports your claim. If you’re injured, seek medical attention immediately—some injuries may not appear right away.
2. Document the Scene
If it’s safe to do so, take photos or videos of vehicle damage, road conditions, and injuries. Collect the other driver’s contact information and identify any witnesses. This evidence can be crucial when working with a motor vehicle accident lawyer in Westchester.
3. Notify Your Insurance Company
Report the accident to your insurer as soon as possible. Be honest, but consider speaking with a White Plains personal injury lawyer before providing any recorded statements.
How Insurance Works When the Other Driver Has No Coverage
New York follows an at-fault insurance system, meaning the responsible driver typically pays for the damages. When that driver is uninsured, your own policy often becomes the primary source of compensation.
Uninsured Motorist (UM) Coverage
Many New York drivers carry uninsured motorist coverage, which can help pay for medical expenses, lost wages, and pain and suffering. This is especially valuable in hit-and-run accidents where the at-fault driver cannot be identified.
No-Fault (PIP) Insurance
No-fault insurance covers medical treatment and lost income regardless of who caused the accident. However, serious injuries may allow you to pursue additional compensation with the help of a Westchester County car accident attorney.
Collision Coverage
If you have collision coverage, it may help pay for vehicle repairs even when the other driver does not have insurance.
Can You Sue an Uninsured Driver?
In some cases, you can file a lawsuit directly against an uninsured driver to recover medical bills, property damage, lost wages, and pain and suffering. However, many uninsured drivers lack sufficient assets. A knowledgeable car accident attorney can help determine whether this option makes sense for your situation.
What If the Accident Was a Hit-and-Run?
Hit-and-run accidents are treated similarly to uninsured motorist cases. If the driver cannot be located, your UM coverage typically applies. Be sure to file a police report immediately, preserve any dashcam footage, and notify your insurance company promptly.
Why Work with the Law Office of Michael Tawil?
Uninsured motorist claims often involve disputes with insurance companies that attempt to minimize payouts. Having legal representation can make a significant difference.
Michael Tawil is known throughout White Plains and Westchester County for his strong advocacy and client-first approach. Many clients reference his responsiveness and professionalism when sharing their experiences.
Why Clients Choose Our Firm
• Free consultation
• No fee unless we win
• Extensive experience handling Westchester County car accident claims
• Personalized guidance from start to finish
• Spanish-language services available (Abogado de accidentes de auto en Westchester)
Speak with a White Plains Car Accident Lawyer Today
If you were injured by an uninsured or hit-and-run driver in White Plains, Yonkers, New Rochelle, Port Chester, Mount Vernon, or anywhere in Westchester County, you don’t have to handle the process alone.
Contact the Law Office of Michael Tawil today to schedule your free consultation with an experienced local attorney. Our team is dedicated to protecting your rights and helping you take the first step toward recovery.