How can I get my car fixed after an accident with an uninsured driver in NY?

My car was hit in NY, a no-fault state, by an uninsured driver. My insurance agent said that my uninsured motorist coverage does not pay for my car, and I do not have collision coverage. How can I get the other person to pay for my car?

““No fault” is a term that is very confusing to drivers. It actually refers to personal injury protection, or PIP coverage, a type of auto insurance that pays for injuries to you or your passengers in an accident, regardless of fault.
If you are not at fault for an accident, the other party is still liable for the damages to the vehicle.
In New York, uninsured motorist coverage is for bodily injury, not for property damage, so it wouldn’t have been applicable in your situation.
If the other party in the accident is uninsured, the only way to recover damages from them would be to pursue them directly through the courts.
It is frustrating, but unfortunately, without collision coverage or the ability to file a claim through the other person’s insurance, there isn’t much that you can do. “
Shannon Martin
Answered on May 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free