What if an At-Fault Motorist’s Car Insurance Lapsed?

Posted: August 3, 2022

car insurance paperworkOne in eight motorists on the road was driving without car insurance in 2019, according to estimates in a 2021 study by the Insurance Research Council. According to that study, 4.1% of New York drivers were estimated to be driving without car insurance in 2019.

What if Car Insurance Has Lapsed?

Because there are so many people on the road who lack proper car insurance, it is important to protect yourself and those who occupy your vehicle. Uninsured motorist (“UM”) coverage is mandated in New York, and many people purchase enhanced coverage known as Supplementary Uninsured/Underinsured Motorist (“SUM”) coverage, which can provide additional benefits.

An experienced attorney can help injured motorists identify any and all applicable insurance, including UM and SUM coverage where available. It is also important to note that New York law has strict laws that insurers must comply with in order to effectively cancel insurance. An insurance company which claims that a policy lapsed, or that a policy was canceled due to nonpayment of premiums, must establish that it complied with these strict laws. In the event that the insurer did not comply with the laws governing insurance cancellation, the insurance policy may actually still be in effect. 

Injured in a Car Accident? Call William Mattar P.C.

If you were injured in a car accident casued by an uninsured or underinsured motorist, you may be looking for an experienced attorney who can help you obtain maximum compensation. Please do not hesitate to contact the lawyers at William Mattar, P.C. Call (844) 444-4444 today.

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