It is entirely possible that a driver, even if they did not
cause it, is involved in a car collision that results in costly
medical bills and repairs. In this scenario, it is preferred that
the injured driver obtains as much of these costs as possible from
the other driver, the at-fault driver's insurer, or their own
insurer. However, total coverage provided by an insurance policy
may not always be enough to cover all damages, both physical and
mental, of the injured driver.
If an individual is seriously injured and an insurance
policy's maximum coverage amount is less than the damages
involved in a case, the insurer may likely opt to pay the full
amount of the existing bodily injury policy to end the case. An
individual who suffers a car accident in New York may have
additional insurance to look to as well if there is underinsured
motorist (UIM) or uninsured motorist (UM) coverage. In general,
this type of claim allows the injured individual to recover from
their
