Getting hit by an uninsured driver in Olean can turn a bad day into a major headache. On busy local roads like West State Street or Route 417, these crashes happen more often than you might think. One in eight New York drivers doesn’t carry insurance, putting other motorists at risk.
Your rights under New York insurance law
New York requires all drivers to have uninsured motorist (UM) coverage. This insurance kicks in when a driver hits you without insurance or in hit-and-run crashes. Here’s what your UM coverage includes:
- $25,000 per person for injuries
- $50,000 total per crash
- Money for medical bills and lost wages
- Coverage for your passengers
- Protection in hit-and-run cases
What to do right after the crash
Quick action helps protect your rights. Here’s what you need to do:
- Call the police and get a report.
- Take photos of all damage.
- Write down witness names and phone numbers.
- See a doctor, even for minor injuries.
- Call your insurance company.
- Save all bills and receipts.
Your next steps
Your UM coverage might not pay for everything. You can:
- Sue the uninsured driver
- Check for extra coverage in your policy
- Look into other sources of payment
Each crash brings its own set of problems. Road conditions, weather and other factors near Olean can affect your case. When you’re trying to get money for your medical bills and car repairs, these details matter.
Many people find these cases too tough to handle alone. A local lawyer who knows Olean’s courts and insurance rules can help you get the most from your claim. They’ll spot options you might miss and fight for what you deserve.
