Even though New York State laws and the laws of many other states prohibit driving a vehicle without auto insurance, people do drive without insurance every day. If you are involved in an accident with an uninsured motorist and they are at fault, your only recourse for liability and payment is legal action, a costly and time-consuming alternative.
In the meantime, any repairs to your vehicle, the need for rental or loaner cars, and other expenses will be something you will have to pay out of personal funds and hope to recoup later.
The best advice-make sure you have Uninsured Motorist Coverage for every vehicle listed on your automobile insurance policy. Uninsured Motorist Coverage provides policy coverage for both personal injuries and property damage. The cost of this coverage is minimal and the peace of mind it provides is invaluable.