rosenbaum & rosenbaum, pc | February 25, 2022 | car accidents
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new york requires all vehicle owners to have auto insurance. Your minimum coverage should include personal injury protection (pip), bodily injury liability (bil), and property damage liability.
When you are in a car accident, Pip pays your reasonable and necessary medical bills under New York’s no-fault insurance system. but if you are seriously injured, your medical bills could easily exceed your pip policy limits, and you may need to seek compensation from at-fault driver’s bills coverage.
here are some ways to find out if someone has car insurance so you can file a claim against their bill policy.
duties after an accident
After a car accident in New York that results in injury or death, you must:
- stop at accident site
- report the accident to the police
- an injury
- a death
- a commercial motor vehicle
- the date of the accident
- year and make of other driver’s vehicle
- the name of the vehicle registrant
If you don’t follow these steps, prosecutors can charge you with a crime. Failure to stop can constitute a hit-and-run punishable by up to seven years in prison for fatal accidents.
When you stop at the scene of an accident, you should always exchange insurance information, even if no one shows up or feels hurt. Car accident injuries can take time to show up. For example, a concussion or other brain injuries may not cause symptoms until several days after the accident.
3 ways to find out if the other driver has car insurance
Usually the other driver will volunteer to exchange information with you. under new york statute that requires you to identify yourself after an accident, you must show your driver’s license and insurance card. you can simply request the other driver’s insurance card. under new york law, they must show it to you.
but sometimes, this just doesn’t happen. Here are three ways to get insurance information after an accident in New York City:
1. ask the police for help
New York’s hit-and-run statute requires police to help drivers exchange information “in a reasonable and harmonious manner.” Tempers can run high after a car accident in New York City. knowing this, the new york legislature instructs the police to act as intermediaries.
You can avoid conflict with the other driver by asking the NYPD officer investigating your accident to help you exchange insurance information.
Typically, the officer will simply take your insurance card to the other driver and retrieve your insurance card for you. this keeps the drivers apart while the information is being exchanged.
2. obtain a copy of the accident report
in new york, the investigating officer must file an accident report for all accidents involving:
The form used by NYPD officers for accident reports includes a field for each driver’s insurance information. Officers must complete your report within ten days of your accident. You can request a copy of your accident report from the New York Police Department or the New York Department of Motor Vehicles.
3. submit a registration request
the dmv allows you to request insurance information about other drivers after an accident.
To request someone else’s insurance records, you need to know:
You should also have a copy of the police accident report or an accident report you filed with the dmv. when you submit this information, the dmv will conduct a search.
if something doesn’t match, the dmv will reject your request. If everything matches, the dmv will provide you with the name of the insurance company and the driver’s policy number or inform you that the vehicle was not insured.
using insurance information
After finding out if someone has auto insurance in New York City, you and your attorney can file a claim against their liability coverage. this should open the door to negotiating a settlement for the damages you suffered due to your injuries.
Contact a New York City personal injury attorney for help determining if another driver has insurance after an accident.
Contact Our New York City Car Accident Law Firm
If you have been injured in an accident in manhattan, ny, and need legal help, contact our new york city car accident attorneys at rosenbaum & rosenbaum, pc to schedule a free consultation.
rosenbaum & Rosenbaum, P.C. 100 Wall St 15th Floor New York, NY 10005(212) 514-5007