Protect Your Family Before An Accident

Being in an auto accident is traumatic, but that trauma can be magnified if there is insufficient insurance to compensate you for your injuries. You can protect yourself by being smart about your coverage before an accident by purchasing uninsured and underinsured motorist coverage. Although the law prohibits driving without insurance, there are drivers who ignore this law or carry the legal insurance minimum. New York law requires every motor vehicle to carry personal injury liability insurance and uninsured motorist insurance with coverage of at least $25,000 per person and $50,000 per incident. Supplemental uninsured motorist (SUM) coverage takes the place of the insurance the uninsured driver should have had and is for an amount greater than the legally required minimum. Underinsured motorist (UM) coverage protects you if the insurance for a vehicle that has injured you is not enough to cover your injuries. For instance, if you are injured by a car that has the New York state minimum insurance of $25,000 but your injuries are so severe that they would be valued at $250,000 or more, you would still only be entitled to $25,000 from the negligent driver’s insurance policy. However, if you had opted to purchase UM coverage, you could seek additional sums from your own carrier. By adding the SUM and UM coverage to your policy, you can protect yourself and your family in the event of a serious accident. Even when you are in the right in a car accident, insurance companies frequently deny or contest claims, or offer sums that are less than what the injured party deserves. Insurance companies have lawyers representing them, so it is important that you have a lawyer representing you if you are injured in an auto accident; this is true even if you are dealing with your own insurance company. If you or a member of your family has been injured in an auto accident, contact us for a free appraisal.

Dear Friends and Clients,

In furtherance of our firm’s culture of commitment to always act with compassion, concern and commitment to our clients, community and colleagues, we have been taking precautions to ensure that we are still fulfilling our ethical and moral obligations while prioritizing health, wellness and safety of all we can.

As you know, the COVID-19 pandemic has introduced changes to many lives and businesses in our communities, and around the world. We, much like our neighbors and friends, have been taking precautions to ensure that we are still fulfilling our ethical and moral obligation to our clients, while also prioritizing the health, wellness and safety of our employees.

Until further notice, our offices will be closed to the public to encourage social distancing and to help prevent the spread of COVID-19. Our team is still hard at work, many from home, and you may still call, email, live chat or video conference us if you or a loved one is seeking legal assistance. As the first law firm to offer our clients secure online access to their case file more than a decade ago, we have always been believers in using technology to make life easier and information more accessible. In these present times it has been a smooth transition for us to continue to offer our clients the same seamless and thorough service that you deserve and are accustomed to.

This pandemic is unlike anything any of us have faced in our lifetimes, and while we can continue to emotionally support one another through it all, staying home and keeping your distance is vital to the health and wellness of our communities. It does not feel good to break routines, cancel events and retreat from our normal, day-to-day socializing, but let us remember that, in times of strife, prior generations were asked to go to war and we are simply being asked to stay home. Your isolation equals more lives saved, and more time for medical providers to prepare for the treatment of patients battling COVID-19.

When the dust settles, we will join together with a greater appreciation for our lives, local businesses, loved ones and health. Until then, we will continue to offer guidance from a safe distance.

Very truly yours,

Andrew G. Finkelstein and the staff of Finkelstein & Partners, LLP