At New York Injury Law, we believe informed clients are empowered clients—so here’s a quick breakdown of the three primary types of auto insurance that often come into play after a crash.
1. PIP – Personal Injury Protection (a.k.a. “No-Fault”)
In New York, PIP is required by law. Often referred to as No-Fault Insurance, it covers medical expenses, lost wages, and other costs, regardless of who caused the crash. This ensures that injured individuals will receive prompt financial support without waiting for fault to be established.
2. Liability/Bodily Injury Coverage
This coverage applies to the at-fault party’s insurance. If another driver causes the accident, their bodily injury coverage insurance is meant compensate you for your injuries and pain and suffering.
3. SUM/UIM – Supplemental Uninsured/ Underinsured Motorist Coverage
This type of coverage applies when the at-fault driver has little or no insurance. If you’re injured by a driver who doesn’t have enough coverage to compensate you fully, SUM or UIM may help fill the gap. It’s supplemental protection that can be crucial in serious crashes where damages exceed the at- fault driver’s policy limits.
How We Use This Information to Help You
Every time we represent a client injured in an auto crash, we investigate all three types of insurance coverage. Not every policy will be available or applicable in every case, but it’s our job to ask the right questions and uncover every possible source of compensation.
At New York Injury Law, we don’t just represent you—we fight to make sure no available coverage goes untapped.
