Newbie Please Help

In new york? My fathers policy is set to 100k/300k for uninsured drivers. At most a neck injury and a few broken bones. Both were wearing their helmets. How often does injuries of such go over $100k? Is it too late to increase the bodily injury limits?
 
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In new york? My fathers policy is set to 100k/300k for uninsured drivers. At most a neck injury and a few broken bones. Both were wearing their helmets. How often does injuries of such go over $100k? Is it too late to increase the bodily injury limits?

Not too late to increase for the future but coverage is what it is for this accident.
 
I don't think you are going to have a problem, this time! but if you live in the same house as your father and not listed as a driver. It could cost a lot more in the future. Lets say you are at college, you are out with friends, they are drinking, but you are not. The guy with the auto tosses you the keys to drive home, Now being a smart man, you check to see his insurance coverage?? Well he has the state minimium, or worse, lapsed coverage. You get it an accident, you are on the hook for anything over the state limit, or all of it! But if you are a named driver, on your fathers policy, you have DOC protection. 'drive other car protection." DOC. You need to sit down with an insurance agent in person. His job is to protect you and your father.
 
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In new york? My fathers policy is set to 100k/300k for uninsured drivers. At most a neck injury and a few broken bones. Both were wearing their helmets. How often does injuries of such go over $100k? Is it too late to increase the bodily injury limits?

I think you may be misunderstanding what he is saying.

Many companies put verbiage in their policy that if someone who is not named on the policy drives an insured car and is involved in an accident then the insurance company provides only state minimum liability limits.

So if NY has a state minimum liability of 25/50/10 and you were driving the car and are not named on the policy, then it may not matter what your father's coverage is. The insurance company may default to 25/50/10 since you are not a named insured. You need to read the policy to check.

An example....

My auto insurance policy says that if an insured (me or my wife) is in an accident in one of our cars then they will cover our liability up to 100/300/100. It then says that if someone who is not an insured, but has 'permission or general consent' to use one of our vehicles is in an accident they they will cover 'only the minimum amount legally required by the State of Oklahoma'. Which, in Oklahoma, is 25/50/25.

Also, I think you are getting confused on the Uninsured Motorist Coverage. I'm not sure how it works in NY, but I'll tell you how it works in Oklahoma. It is probably similar.

Uninsured Motorist does not cover any damage to vehicles it covers only bodily injury. If an insured is in an accident and they are NOT at fault, then it can cover their medical bills and lost wages up to the policy limit. It provides coverage if the at fault driver does not have insurance, or does not have enough insurance to cover the insured's medical bills.

If the insured's vehicle is in an accident with a third party, Uninsured Motorist does not apply to any injuries sustained by the third party. It only covers the insured's injuries and occupants in the insured's vehicle.
 
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What's the name for such a law?

It isn't a law, it would be in the contract (policy) your dad has with his auto insurance company.

The law says that the insurance company is required to cover you at the minimum state liability as long as the premium is paid. If you choose to insure for more than that then it is an agreement that you have with the insurance company. However, the company has the right to determine who they will insure for that excess amount.

Just read the policy and see what it says or call your agent.
 
OK OK hold up everyone. The op lives in NY a partial no fault state.

Both parties are required to carry liability, UM, and PIP (personal injury policy)

IF you are covered under your fathers policy and you are deemed at fault, either your liability insurance will pay for their injuries or the bikers PIP will pay for their injuries.

Regardless you should be fine as no fault states usually make drivers waive their rights to sue each other and make the insurance companies deal with everything.

If you are at fault and covered, your rates will go up. If you are not covered, the other guys PIP should cover him and he should not be able to sue you. I'm not 100% on this last statement someone from a no fault state feel free to step in.

Also.... dubya
Uninsured Motorist does not cover any damage to vehicles it covers only bodily injury. If an insured is in an accident and they are NOT at fault, then it can cover their medical bills and lost wages up to the policy limit. It provides coverage if the at fault driver does not have insurance, or does not have enough insurance to cover the insured's medical bills.

UMPD exists just usually in a capped limit like $3500 in California. If you have comp/collision umpd becomes a collision deductible waiver.
 
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Is NY a tort or no tort state? What we are saying is, read the small print. On one hand they give it to you, but with the other hand, they take it away. That is why you need a live insurance agent, it doesn't matter what company, there job is to cover, the what if??
 
My father wants to switch to another insurance company with his name alone on the policy. Would he have to put that he was in an accident even though I was the one who was driving the car ?
 

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