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585-687-4425

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Do You Know What Your Auto Insurance Covers?

Most People Are Pretty Uninformed About Their Auto Insurance Coverage

The first form of insurance coverage you should know about after suffering injury in a car accident is your No-Fault insurance coverage, also known as personal injury protection (PIP) insurance. It is required of all New York drivers, but most people only carry the minimum $50,000 limit. This could run out quickly if your injury is serious, so it is important to speak with a lawyer as soon as possible about other available coverage for your medical bills, lost wages, pain and suffering, vehicle damages and other damages.

You also have the option to purchase additional insurance to better cover initial medical expenses and lost wages exceeding minimum No-Fault coverage following a serious accident. These options are “additional personal injury protection” (APIP) and “optional basic economic loss” (OBEL). Premiums for additional coverage are usually minimal.

If you have a case for a serious injury claim beyond your No-Fault coverage, we may be able to help you access third-party bodily injury liability coverage through the other driver’s insurance policy. The state requires the following minimum coverage of all drivers:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury resulting in one death
  • $50,000 for bodily injury of two or more people
  • $100,000 for bodily injury resulting in two or more deaths
  • $10,000 for property damage liability

A serious accident can exceed these minimum coverage levels quickly. Therefore, it is important to consider additional coverage options.

Supplementary Uninsured/Underinsured Motorist (UIM/SUM) Coverage

All drivers in New York are also required to carry uninsured motorist (UIM) coverage as part of their insurance policy, but this provides the same minimum coverage as the mandatory bodily injury and property damage liability coverage. UIM coverage only comes into play if the at-fault party does not have insurance.

Purchasing additional SUM coverage is often not very expensive, and can cover hundreds of thousands of dollars in injury costs and property damage if the at-fault driver has very minimal coverage, or if you were the victim of a hit-and-run accident. Most drivers have purchased SUM coverage as part of their auto insurance policies, but may have forgotten about it.

What If You Don’t Own A Car? What If You Are Injured As A Passenger?

If you were injured in a car accident as a passenger, you have options:

  1. The No-Fault and SUM coverage of the car you were riding in could help to cover your losses and damages.
  2. The No-Fault and SUM coverage of your own car, even though it was not involved in the crash, could be accessible.
  3. You could obtain coverage from No-Fault or SUM of any other driver’s policy in your household.
  4. You may be able to gain uninsured motorist protection from the Motor Vehicle Accident Indemnification Corporation (MVAIC).

Speak with one of our lawyers at Kammholz Rossi PLLC, in Rochester today about your unique injury situation. We want to help you recover the maximum compensation you deserve, and we will handle all insurance matters and communication on your behalf. Please call us today at 585-687-4425 or send us an email for prompt response and a free consultation with an attorney.

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Making Brad my attorney has turned out to be one of the best decisions I have ever made. From the minute I met Brad, he was completely honest with me. My case settled in just over a year, leaving me with plenty of money to support my family and my well-being. If you are in the unfortunate position of needing a personal injury attorney, you have found the right one.

– Joe A.
* Prior results do not guarantee a similar outcome.

There aren’t enough words to express how grateful we were to have Joe representing us. He was knowledgeable and helpful to us in so many ways including navigating a very trying process, but also managing a very difficult injury. He was there for us in every way and we will be forever grateful to him for it. We couldn’t cheer any harder for Joe as an attorney and friend.

– Elizabeth Horton
* Prior results do not guarantee a similar outcome.

I am so happy that I chose Kammholz Rossi to help me out after my automobile accident. From my first meeting with Joe, I knew that I had definitely made the right decision. He always answered my questions promptly and was very thorough with his explanations. He kept me up to date every step of the way. I couldn’t be happier with the service I received from him, helping make this awful time more bearable. I highly recommend Joe and Kammholz Rossi!

– Donna LaPlant
* Prior results do not guarantee a similar outcome.

We loved working with Joe. He provided us with clear expectations from the beginning. I particularly liked that he responded to questions promptly and helped us navigate issues with the insurance company. We highly recommend Kammholz Rossi.

– Barbara Matthews
* Prior results do not guarantee a similar outcome.

Joe represented me better than I could have ever imagined. My opinions were valued and my doubts were always reassured. Joe always calmed my nerves and explained the process. He went above and beyond and did everything he could to ensure a great outcome. I can’t thank Joe and his team for everything they did for me. I highly recommend Kammholz Rossi!

– Michele U.
* Prior results do not guarantee a similar outcome.

I cannot thank Brad and the entire Kammholz Rossi team enough. I am so glad that I made the decision to have Brad represent me. I received an injury at work that would be a life changing event for me and my family. I needed to find an attorney that would look out for me and my family. After meeting with a few law firms I chose Brad and his firm. Brad was truly concerned with my injury and what was best for me and my family. Too many of the law firms I met with were only concerned with what they could get from a settlement. Brad is truly concerned with what is best for you. He will listen to all of your thoughts and concerns, and advise you on what actions would be best. Trust is a very important part of a relationship in a legal action. I trusted Brad and his firm. I always knew that Brad truly was looking out for what was best for me and my family. You will not regret having Brad and his entire firm represent you. Everyone there is very pleasant, friendly, casual and yet professional. Their approach helps reduce the stress and tension that comes with a bad situation. Over the twenty two months that Brad represented me, we developed a friendship. I consider Brad a friend and look forward to continuing that friendship for a long time. On behalf of me and my family we cannot thank-you enough for everything that you and your firm have done for us. Truly the best decision made in a bad situation.

-Craig S.
* Prior results do not guarantee a similar outcome.

There is not enough thanks and praise that I can give to Kammholz Rossi, for helping me through a very difficult time. I truly believe that if it were not for Kammholz Rossi I would not have received the procedures necessary to make me whole again; I would highly recommend anyone who has had the misfortune of an accident to simply speak with the agency, you will not be disappointed.

– Gina S.
* Prior results do not guarantee a similar outcome.

“Kammholz Rossi is the most helpful professional group of law professionals I have ever dealt with. Not only knowledgeable and professional, this law firm works very hard to help with all things to make your life whole again. I cannot say enough good things about how they have helped me and my family through the most difficult time possible. A rare find: truth, hard work, professionalism and a caring group of people.

– Michael M.
* Prior results do not guarantee a similar outcome.

Making Brad my attorney has turned out to be one of the best decisions I have ever made. From the minute I met Brad, he was completely honest with me. My case settled in just over a year, leaving me with plenty of money to support my family and my well-being. If you are in the unfortunate position of needing a personal injury attorney, you have found the right one.

– Joe A.
* Prior results do not guarantee a similar outcome.

Speak With One Of Our Attorneys Today About
Your Unique Situation.

Bradley Kammholz, Esq.

Meet Brad

JOSEPH A. ROSSI JR., ESQ.

Meet Joe