Sadly, seriously injured victims of motor vehicle crashes in upstate New York are often surprised to learn that neither the negligent driver nor the owner of the at-fault car had purchased sufficient “liability” insurance to fully compensate them for their pain and suffering and other losses.
Why? In the Syracuse area and in all of central New York, including Geneva, Auburn, many people are of limited means (in case you haven’t noticed, good jobs are hard to come by around here!) and thus purchase only this cheapest insurance. This minimal automobile liability insurance in New York State pays out a maximum of only $25,000 per injured person and $50,000 per accident.
So what do you do if you are seriously injured by a minimally insured car? Well, you have the option of refusing to accept the insurance policy limits. You can instead sue the negligent driver (and the car owner) and hope to get at their personal assets. But what personal assets? We just said that Upstate New Yorkers with small insurance policies generally have limited income. As a corollary, they also have no assets worth pursuing.