John Ciafone | Queens Scene

QueensScene I was driving and was rear-ended by a young, inexperienced driver from North Carolina on Astoria Boulevard in Jackson Heights. I sus-tained neck and back injuries and $20,000 in car damages. Unfor-tunately, the insurance carrier in North Carolina said that the offending vehicle has just $5,000 property damage coverage and $10,000 in personal injury coverage. This is outrageous! The insurance carrier from North Carolina is wrong. Under New York law, any vehicle licensed and insured outside New York that is involved in an accident inside New York must adhere to minimum insurance coverage amounts. Here in New York, the minimum coverage the North Carolina vehicle would have is $10,000 for property damages and $25,000 for personal injuries. However, if you have proper SUM (Supplemental Underinsured Motorist) coverage, your insurance can pay beyond these limited New York minimum coverage amounts and cover you for your actual damages. The good news is that you will not be responsible for same and your annual premiums will not increase. “ON THE LAW” with JOHN J. CIAFONE, Esq. Attorney & Counselor at Law 25-59 Steinway St./Suite 2F, Astoria (718) 278-3900 SERVING THE NEEDS OF OUR COMMUNITY 24 HOURS/7 DAYS If you have any questions; please Call: John J. Ciafone, Esq. Question: Answer: <pagedata>29:0.067790404:0.920017362:0.943573236:0.0797742978</pagedata>