Levine & Slavit | May 29, 2026
Being injured in a car accident is stressful enough, but many people assume they have no way to recover compensation if the at-fault driver doesn’t have insurance. Fortunately, New York provides important protections that may still allow injured victims to pursue financial recovery. Understanding these options before an accident happens can make a significant difference when you’re facing medical bills, lost wages, and other unexpected expenses.
One of the most valuable forms of protection is Supplemental Uninsured/Underinsured Motorist (SUM) coverage. If you own a vehicle or live with someone who has an auto insurance policy, you may be covered under that policy if you’re injured by an uninsured driver or in certain hit-and-run accidents. Instead of filing a claim against the uninsured driver, you may be able to seek compensation through your own insurance company.
Many drivers carry only the minimum required SUM coverage, which may not come close to covering the costs of a serious injury. While New York requires a minimum amount of coverage, policyholders often have the option to increase those limits to match their liability coverage. Reviewing your policy and increasing your SUM coverage before an accident occurs can provide significantly greater financial protection if the unexpected happens.
If you don’t own a vehicle and don’t live in a household with someone who has an auto insurance policy, you may still have options. New York’s Motor Vehicle Accident Indemnification Corporation (MVAIC) was created to help certain individuals injured by uninsured or unidentified drivers when no other insurance coverage is available. Eligibility depends on several factors, making it important to understand your rights as soon as possible after an accident.
Insurance claims involving uninsured drivers are often more complicated than people expect. Questions about available coverage, policy limits, and eligibility can quickly become confusing. Acting promptly and understanding every possible source of compensation can help protect your financial recovery.
Why an Experienced Attorney Can Help
An experienced personal injury attorney can evaluate every available insurance policy, determine whether SUM coverage or MVAIC benefits may apply, and gather the evidence needed to support your claim. Your attorney also handles communications with insurance companies, protects your rights throughout the claims process, and works to pursue the full compensation available for your injuries and losses.
Take Action Today: Protect Your Rights After an Uninsured Driver Accident
If you’ve been injured by an uninsured or hit-and-run driver in New York City, don’t assume you have no options. Speaking with an experienced attorney can help you understand your available coverage, avoid costly mistakes, and take the next steps toward recovering the compensation you may be entitled to pursue.
FAQs
What is Supplemental Uninsured/Underinsured Motorist (SUM) coverage?
SUM coverage is optional insurance that can provide compensation if you’re injured by an uninsured driver or, in many situations, a hit-and-run driver. It may also apply if the at-fault driver’s insurance is insufficient to fully cover your damages.
Can I file a claim with my own insurance company after an uninsured driver hits me?
Yes. If you have applicable SUM coverage through your own policy or a qualifying household member’s policy, you may be able to file a claim with your own insurer instead of relying on the at-fault driver.
What is MVAIC?
The Motor Vehicle Accident Indemnification Corporation is a New York organization that may provide benefits to certain people injured by uninsured or unidentified drivers when no other insurance coverage is available. Eligibility requirements must be met.
Should I increase my SUM coverage?
Many people choose to increase their SUM limits because the minimum required coverage may not be enough after a serious accident. Reviewing your policy with your insurance provider can help you determine the level of protection that’s right for you.