NY Auto Insurance Un-Insured Motorist

We take a lot of pride in building a NY auto insurance policies for our insurance clients.  We don’t sell on price, we don’t sell on gimmicks, gifts, or bonuses…

ny auto insuranceAt the Murray Group sell on protection, communication and proactive service.

When the worst happens, our goal is to make sure you have the proper ny insurance coverage in place that will “financially” (very important to understand, financially) protect you, your family and your business.

With this in mind, today I’d like to focus on NY auto insurance.  This is a four part series:

Part I: NY Auto Insurance Liability

Part II: NY Auto Insurance No Fault

Part III: NY Auto Insurance Un-Insured Motorist

Part IV: NY Auto Insurance Full Coverage

Part V: NY Auto Insurance Deductibles

NY Auto Insurance Un-insured Motorist

Let’s say its a Sunday afternoon in the summer time and you’re taking the family out to get some ice cream.  Your spouse is in the passenger seat and your kids are strapped in the back seats.  The sun is shining, a light breeze is blowing and birds are playfully chirping…

…everything is rainbows and lollipops.

Until WHAM!

You get t-boned in a neighborhood intersection by a 23 year-old kid that just blew the stop sign at 45 mph.  Everyone lives but your spouse and daughter on the side the kid hit are pretty banged up.

Your spouse can’t go back to work for an indefinite period of time and your daughter needs major medical that reaches beyond your ny health insurance coverage.

Your family is now living off of one income, responsible for huge medical bills and trying to maintain some quality of life.


So you look into suing the kid who caused the accident.

He has the state minimums for New York State auto insurance coverage which are $25,000 at fault liability per person, $50,000 total for the accident. You have $500,000 in bills, expenses, mortgage payments, groceries, day care… $50,000 doesn’t get you anywhere.  Now what?

The kid is 23 and doesn’t have any assets of value so suing him beyond his ny insurance coverage is useless and he’s on his own NY auto insurance policy so you can’t go after the parents.

How are you going to come up with the remaining $450,000 you need to sustain your family?


You put in an un-insured motorist insurance claim on your own auto insurance policy.

It is recommended that everyone carry at least $500,000 in NY un-insured motorist insurance coverage.  Your un-insured motorist coverage is going to pay the difference between your need (up to the policy limit which in this case is $500,00) and the coverage provided by the At-Fault party ($50,000).

That means you get a check (its a little more complicated but essentially) for $450,000.

Your Insurance Policy Just Saved the Day!

The Rub

NY auto insurance un-insured motorist coverage is an extremely important coverage that is glossed over far too often by most NY insurance professionals.

Call us today at (518) 456-6688 or Click Here to email us and make sure that you have the proper auto insurance in place to protect your family!

Thank you,

Ryan Hanley

Image courtesy of Salvatore Vuono / FreeDigitalPhotos.net

NY Auto Insurance Un-Insured Motorist by
Ryan Hanley

Ryan Hanley

Director of Marketing at The Murray Group
Ryan is the Director of Marketing for The Murray Group Insurance Services, Inc. Ryan is also the Founder of Content Warfare Podcast, one of the fastest growing podcasts on iTunes dedicated to digital marketing.
Ryan Hanley


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