O'Connor, O'Connor, Bresee & First, P.C.
SERVING ALL OF NEW YORK AND VERMONT
877-886-4029 Toll Free
518-465-0400 New York

Car insurance policies and defending against them

When a motorist is involved in a car accident, one of their first thoughts is to contact their insurance company. Because of the large number of accidents in New York, insurance companies are at risk for losing their financial stability. Being knowledgeable about insurance policies will help insurers defend against unreasonable claims.

Auto collisions cost the United States billions of dollars yearly. Fortunately, automobile insurance helps drivers pay for the property damage and injuries of the insureds and the other parties involved. However, having insurance doesn't mean that insurance companies are automatically liable for all damages. The amount of car insurance coverage and the type of coverage will help determine how much the insurance company owes. Authorities recommend that drivers have a policy that covers more than the state's minimum requirements. While a more extensive policy will cost a driver more, it may prove to be beneficial in the case of more serious accidents.

Insurance policies indicate liability limits as to one person's personal injury damages, for all personal injury damages for one accident and for all property damages for one accident. Bodily injury liability is what the insurer will pay toward medical expenses and other damages when other people are injured or killed in an accident caused by the insured. In cases where the driver who caused the accident doesn't have insurance, the insured's insurer will pay for injuries to the insured and insured's passengers. This falls under Uninsured Motorist Coverage.

In many cases, a dispute will occur between the insured and the insurance company. Resolving complicated motor vehicle accident claims in the most cost-effective way possible is critical to protecting insurance companies.

Source: FindLaw, "Automobile Insurance Policy Coverage," accessed on Dec. 21, 2015

No Comments

Leave a comment
Comment Information

Contact Our Law Offices

Email Us For A Response

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Contact Us for Your Insurance Defense Solutions and Other Legal Needs

CALL TODAY AT

877-886-4029 Toll Free
518-465-0400 New York

NEW YORK OFFICE
20 Corporate Woods Boulevard
Albany, NY 12211

Phone: 518-465-0400
Fax: 518-465-0015
Albany Law Office Map

VERMONT OFFICE
507 Main Street
Bennington, VT 05201

Fax: 518-465-0015
Map & Directions