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00:00:06 hi I’m Frank Eskesen founder of The Eskesen Law Firm New York’s personal injury firm today I’d like to talk to you about something crucial that you need to consider before an accident happens uninsured underinsured motorist coverage on your auto insurance policy why is this coverage important despite laws requiring Insurance many drivers either have no coverage or not enough in fact about one in 25 New York drivers are uninsured countless more have the bare minimum policy if you’re involved in an accident
00:00:45 caused by one of these drivers and you haven’t added sufficient coverage beforehand you could be on the hook for medical expenses and other expenses even if the crash wasn’t your fault moreover there could be insufficient Insurance to adequately compensate you for your bodily injuries and pain and suffering what does this mean for me well luckily New York requires all auto policies to have some uninsured motorist coverage on their policy so if you have a car insured in New York you already have some
00:01:25 coverage however New York only requires $25,000 in this coverage now imagine if you were in an accident with a driver who also only carries that minimum coverage themselves as a result of this accident you sustain very serious injuries where $25,000 does not even come close to adequately compensating for your injuries as too many accident victims learn the hard way if you only have the state minimum yourself you’re out of luck however you can protect yourself and your family by adding sufficient
00:02:04 coverage to your policy before an accident in that case your own policy would cover the difference up to the limits you select because there are so many poorly insured drivers on the road carrying only the $25,000 in minimum coverage we suggest you speak to your broker to increase your coverage to $250,000/$500,000 is this affordable you might think that adding all this additional coverage would be prohibitively expensive but that’s not the case typically the vast majority of insurance policies cost is that base
00:02:42 policy that $25,000 policy for just a small increase in your premium you could significantly enhance the coverage available to you and your family indeed I think this coverage might cost less than a streaming subscription service or a couple cups of coffee per month protecting yourself and your loved ones starts with taking proactive steps before an accident happens uninsured underinsured motorist coverage is a critical part of that protection and it’s more affordable than you might think if you have questions about this
00:03:19 coverage or need assistance for a personal injury case please reach out to me at 212-433-4500 thank you for your time stay safe on the roads and remember the best time to prepare is now take care and I’m here if you need
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