Long Island Uninsured Motorist Claims

Someone else caused the crash — and they do not even have insurance. Now you are stuck with medical bills, lost wages, and an insurance system that was not designed to make this easy.

Your own policy may be the only path to compensation, and your insurer is not on your side.

Our Long Island uninsured motorist accident lawyers at Rosenberg & Gluck LLP recover compensation for injury victims across Nassau County, Suffolk County, and every Long Island community when the at-fault driver has no insurance or not enough of it.

Your case review is free, and you pay no fee unless we recover compensation. Call (631) 451-7900 or contact us online.

Why Do I Need a Long Island Uninsured Motorist Accident Lawyer?

Uninsured and underinsured motorist claims are filed against your own insurance company, not the other driver's. Your insurer has every financial incentive to minimize what it pays you.

When the at-fault driver has no insurance, your own UM or SUM coverage kicks in. The company you have been paying premiums to now sits across the negotiating table as an adversary.

Research published by Forbes found that 91% of injury victims with a lawyer received a payout, compared to 51% of people who negotiated their own settlement. Represented claimants took home roughly three times more, even after paying attorney fees.

Our uninsured motorist accident lawyers on Long Island handle the specific challenges these claims present:

1. Your insurer will scrutinize your claim aggressively. Adjusters may question injury severity, dispute treatment, or blame pre-existing conditions.
2. UM/UIM claims often go to arbitration, not court. New York requires most uninsured motorist disputes to be resolved through mandatory arbitration.
3. Hit-and-run accidents add an extra layer of proof. You must demonstrate physical contact and report the accident to the police within 24 hours.
4. Filing deadlines are strict. You must notify your insurance company promptly, and the statute of limitations may vary.

Our uninsured motorist attorneys in Nassau and Suffolk Counties protect your claim and push back against your insurer's tactics from day one.

Why Choose Rosenberg & Gluck LLP for Your Uninsured Motorist Accident Case?

Representing Long Island Injury Victims Since 1983

Ted Rosenberg and Gary Gluck founded the firm with a single focus: personal injury law on Long Island. For over four decades, the firm has represented injury victims exclusively in Nassau and Suffolk Counties.

Today, attorneys including Dan, Gary, and Rob handle complex motor vehicle and insurance dispute cases across every community.

Motor Vehicle Accident Results That Reflect Our Work

Uninsured motorist claims involve disputed liability, aggressive insurers, and clients who need maximum recovery. Our results include:

1. $25.4 million verdict — dangerous intersection involving municipal liability
2. $2.5 million recovery — crash involving multiple liable vehicles
3. $2.4 million recovery — disabling injuries from a rear-end collision
4. $850,000 recovery — elderly client struck by a teen driver
5. $740,000 recovery obtained through binding arbitration

Past results do not guarantee a similar outcome, but we believe they signify the dedication we bring to injured clients and their families.

Our Clients Describe the Experience in Their Own Words

Case results are one thing, but the true measure of our success is often reflected in the praise of our clients.

"Gary took the time to explain every step of the process, answered every question I had, and always made sure I understood my rights. His team worked behind the scenes just as hard: quick phone calls, clear paperwork, and updates without me having to chase anyone down."

Our Professional Awards and Recognition

Our attorneys have earned recognition based on peer evaluations, courtroom results, and verified case outcomes:

1. Martindale-Hubbell AV Peer Review Rated — based on confidential evaluations from attorneys and judges; measures legal ability and ethical standards
2. Super Lawyers — limited to no more than 5% of attorneys in the state through a multi-phase selection process
3. Million Dollar and Multi-Million Dollar Advocates Forums — restricted to attorneys with verified seven-figure results; fewer than 1% qualify
4. National Trial Lawyers Top 100 — selected based on courtroom results and trial record

We Invest in Long Island People and Communities

The firm supports Long Island organizations, including Island Harvest, the Breast Cancer Research Foundation, the Guide Dog Foundation for the Blind, and Room4Love.

We Offer Free Consultations and Work on a Contingency Basis

You pay nothing up front and owe no attorney fees unless we win your case. We advance all litigation costs, so there is no financial risk to you.

Call us at (631) 451-7900 or contact us online today for a free consultation.

Holtsville · 1176 Portion Rd | Garden City · 1225 Franklin Ave #325-C | Patchogue · 57 E Main St | Riverhead · 20 W Main St Suite 302

How Does Uninsured and Underinsured Motorist Coverage Work in New York?

New York requires every auto insurance policy to include uninsured motorist (UM) coverage. This is mandatory under Insurance Law Section 3420. The New York Department of Financial Services sets the minimums.

UM coverage protects you, household family members, and passengers when the at-fault driver carries no insurance. It also covers hit-and-run accidents.

How Do UM and SUM Coverage Differ?

There are two layers of protection, and they work differently.

Many Long Island drivers carry only the state minimum. If the at-fault driver has a $25,000 policy but your injuries are worth $150,000, SUM coverage bridges that gap, but only if you purchased it.

Our Long Island UM/UIM claim lawyers identify every source of coverage and pursue maximum recovery from each.

Ask Rosenberg & Gluck About Your Long Island Uninsured Motorist Accident Claim

What If the At-Fault Driver Fled the Scene on Long Island?

Hit-and-run accidents are among the most frustrating situations injury victims face. The driver who caused the crash is gone, and you have no name, plate number, or policy to claim against.

New York law allows you to file an uninsured motorist claim after a hit-and-run, but you must meet specific requirements:

1. There must be physical contact — your vehicle (or your body, if you were a pedestrian or cyclist) must have been struck by the fleeing vehicle or by an object set in motion by it
2. You must file a police report within 24 hours — you must report the accident to law enforcement within one day
3. You must notify your insurer promptly — your own insurance company must receive notice as soon as reasonably possible

The Insurance Research Council reports that roughly one in seven drivers nationwide carries no liability insurance, and hit-and-run rates have climbed steadily.

On Long Island, high-speed hit-and-runs happen frequently along the Southern State Parkway, Montauk Highway, and Veterans Memorial Highway.

If you were injured in a hit-and-run, our Long Island hit-and-run accident lawyers move quickly to preserve evidence and file required notices.

Injured by a hit-and-run or uninsured driver? Call (631) 451-7900 for a free case review.

What Compensation Can I Recover Through a UM/UIM Claim on Long Island?

The compensation available through an uninsured motorist claim mirrors a standard injury lawsuit, but the money comes from your own policy instead of the at-fault driver's insurer.

To recover non-economic damages, your injuries must meet New York's serious injury threshold per Insurance Law Section 5102(d). That includes bone fractures, significant disfigurement, and permanent limitation of a body organ or system.

Your no-fault Personal Injury Protection (PIP) coverage pays up to $50,000 for medical expenses and lost wages regardless of fault. A UM/UIM claim covers compensation above PIP, including pain and suffering, which PIP does not pay.

New York's comparative negligence rule reduces your recovery by your share of fault, but never eliminates it. If the court assigns you 25% responsibility, you still recover 75% of your total recovery.

The comparative negligence rule is one reason why working with a personal injury lawyer is so important. Insurance companies routinely exploit the rule to lower their payouts. If they can pin more of the fault on you, the less they will have to pay.

Our Long Island uninsured motorist accident lawyers aggressively fight unfair attempts to blame clients.

How Does Our Firm Investigate a Long Island Uninsured Motorist Claim?

UM/UIM claims require the same evidence and preparation as a lawsuit, because your own insurer will fight just as hard as any defendant's carrier.

We Build the Negligence Case Against the At-Fault Driver

Even though the claim is against your own policy, you must still prove the other driver was at fault. We obtain police reports, traffic camera footage, and witness statements.

We Preserve Critical Evidence in Hit-and-Run Cases

When the at-fault driver fled, physical contact evidence is essential. We secure dashcam recordings, surveillance footage, and physical evidence from the crash scene.

We Prepare Your Case for Arbitration

Most UM/UIM disputes in New York go through mandatory arbitration rather than a jury trial in Nassau or Suffolk County Supreme Court. Our attorneys prepare submissions, present evidence, and advocate for maximum recovery.

We Challenge Bad Faith Insurance Tactics When They Occur

If your insurer unreasonably delays, underpays, or denies your claim, you may have a bad faith insurance claim on top of your injury case.

Frequently Asked Questions About Uninsured Motorist Accidents on Long Island

Were You Injured by an Uninsured or Underinsured Driver on Long Island?

If an uninsured or underinsured driver caused your injuries on Long Island, our attorneys are ready to review your claim at no cost. Take the first step today and call us. We'll handle the rest.

Call (631) 451-7900 or contact us online today.

Holtsville · 1176 Portion Rd | Garden City · 1225 Franklin Ave #325-C | Patchogue · 57 E Main St | Riverhead · 20 W Main St Suite 302