Car Insurance: How Much is Enough?

Upgrading Auto Insurance Coverage for Adequate Protection

Car insurance is something we hope we never have to use. However, you don’t want to wait until you have an accident to find out that your insurance coverage is inadequate. At the Orlow firm, our personal injury attorneys all too often see Queens residents fall victim to insufficient auto insurance coverage. We strongly suggest that you consider adding to your coverage in the following ways:

Supplemental Spousal Liability Insurance

Your basic liability policy does not provide coverage if one spouse causes injury or death to the other due to negligent driving. For example, assume you are in the passenger seat while your spouse is driving. He or she becomes distracted by texting while driving, rear-ends another vehicle and causes injury to you. Under basic Bodily Injury coverage, you, as the injured spouse, cannot receive payments. Fortunately, New York State auto insurers must notify you of the availability of Supplemental Spousal Insurance Liability Coverage. In order to receive this coverage, you must request it in writing from your insurer. It is not expensive and may prove to be a worthwhile investment.

Increased Bodily Injury Liability

If you are involved in an accident that causes injury to another, it may be important to protect your assets in the event of a lawsuit. You should seriously consider purchasing higher limits of bodily injury liability, such as those within the range of $50,000/$100,000, $100,000/$300,000, $250,000/$500/000, or even higher, depending on the amount of assets you wish to protect.

Increased Property Damage Liability

The minimum requirement for third-party property damage liability coverage is $10,000. However, many of today’s cars are worth far more and the cost of replacement or repair can easily exceed minimum coverage levels. Consider raising your property damage limits to $15,000, $25,000, $50,000 or higher.

Increased Personal Injury Protection (no-fault) Benefits

For a modest cost, the minimum $50,000 no-fault benefits coverage can be extended to $100,000 or higher. Additional coverage extends to all out-of-state guest occupants in your vehicle while you are driving anywhere in the U.S. and its territories or Canada. In addition, you can increase maximum benefits for potential lost earnings and other necessary expenses.

Increased Supplemental Uninsured Motorist (SUM) Coverage

Extending this coverage provides you with added protection against negligent actions by uninsured or hit-and-run motorists. Coverage is available for up to $250,000 per person per accident and $500,000 per accident. Extended coverage is also available for collision, comprehensive (damage to your vehicle from causes other than collision as well as theft), medical payments and accidental death and dismemberment.

Contact the Orlow Firm

We urge you to discuss expanded coverage with your insurer to see which level of benefits is most appropriate for you.

If you have further questions, contact the Queens personal injury attorneys at The Orlow Firm by calling (646) 647-3398 for a free consultation.

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Common Causes of Auto Accidents

Discovering the Causes of Car Accidents

If you have been injured in a car accident, it is important to have an attorney by your side who knows how to identify the causes of auto accidents, and determine who is liable. At The Orlow Firm, our lawyers have close to 70 years combined experience handling car accident cases for clients throughout the New York City metropolitan area. We are dedicated to helping our clients obtain the financial resources they need to pay for their medical bills, lost wages, pain and suffering and other hardships.

Contact our New York City law firm today to speak with an experienced New York car accident attorney.

New York Car Accident Lawyers

In handling a car accident case, it is important to identify the cause and the responsible party or parties. Doing so ensures that the injured party or parties can obtain compensation from all available sources.

Common causes of car accidents include:

  • Speeding
  • Reckless driving
  • Distracted driving
  • Drunk driving
  • Faulty road construction or maintenance
  • Truck driver negligence
  • Trucking company negligence

If you have been injured in a car accident, our attorneys are here to put our investigative resources to work to build a successful case for you. We provide our clients with tireless advocacy and a commitment to exceptional client service. We will do everything in our power to help you obtain the compensation you need and deserve.

Contact the Orlow Firm

Have you or a loved one been seriously injured by a careless or negligent driver? If so, contact our New York car accident lawyers today for information regarding your legal rights.

To speak with an attorney at the Orlow Firm, call (646) 647-3398 or contact us online.

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Can you sure your spouse in a car accident?

Can You Sue Your Spouse for Car Accident Injuries?

If you have been injured in a car accident and the accident is your spouse’s fault, can you sue your spouse for damages? The answer, in the past, was “no”. Today, the answer is “yes”, but only if you have spousal insurance coverage. Spousal insurance is a recent addition to available New York insurance coverage. If you have been injured in an accident caused by your spouse, it is important to have an attorney who is familiar with spousal insurance provisions.

At The Orlow Firm, our attorneys have extensive experience handling car accident cases and are knowledgeable in the complex insurance issues that come into play. If you have been injured in a car accident caused by your spouse, we can help you explore your legal options and seek maximum compensation for the hardships you have suffered.

Contact our New York City law firm today to speak with an experienced New York spousal insurance lawyer.

NYC Sue Spouse Attorney

Spousal insurance coverage can be obtained from your own insurance company for a relatively low premium. However, when it comes time to collect from that policy your insurance company may try to delay or deny the compensation you are entitled to. This is where an experienced personal injury lawyer can help.

With spousal insurance coverage, you may pursue compensation for pain and suffering and other elements that would not be covered if you did not have that coverage. Our attorneys are well versed in the laws pertaining to spousal insurance coverage and know how to seek maximum compensation for our clients.

Contact the Orlow Firm

Have you been injured in a car accident that was caused by your spouse? If so, contact our New York car accident lawyers today for information regarding your legal rights.

Call (646) 647-3398 to speak with an attorney at the Orlow Firm.

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Car Accident Liability: Who is at Fault?

Identifying Liable Parties in Car Accidents


Some car accidents are the fault of no one. Many, however, are the result of negligence on the part of drivers, or can be blamed on faulty road maintenance or other factors. If you have been injured in a car accident it is important to have an attorney who knows how to identify liability, to help you seek compensation for your losses.

At The Orlow Firm, our lawyers have extensive experience handling car accident liability issues, and a proven record of success obtaining favorable results for our clients. We are dedicated to helping you obtain the compensation you deserve, and holding liable parties to account.

Contact our New York City law firm today to speak with an experienced New York car accident attorney.

Who Is at Fault?

Our attorneys work closely with our clients to get the facts in car accident cases. We begin by getting your account of the accident, then seek further evidence from every available source, including:

  • Police reports
  • Eye-witness testimony
  • Accident scene investigation
  • Accident reconstruction

In handling a car accident case, it is important to identify all liable parties. In some cases, more than one party may be at fault, which makes the case more complex and also provides additional avenues of compensation for the injured.

Our attorneys have the investigative resources to identify causation and liability in car accident cases and are prepared to help you obtain compensation for your medical bills, lost wages, pain and suffering, and other losses.

Contact the Orlow Firm

Have you or a loved one suffered a serious injury in a car accident? If so, contact our New York car accident lawyers today for information regarding your legal rights.

To speak with an attorney, call (646) 647-3398.

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First Steps After a Car Accident

New York City Car Accident Lawyers

If you were injured by a careless or negligent driver, taking the right steps after the car accident can greatly improve your chances of obtaining the compensation you need. Perhaps the most important thing of all (aside from getting proper medical treatment) is to speak with an experienced personal injury attorney.

At The Orlow Firm, we have extensive experience handling car accident injury cases for people throughout New York City and the surrounding areas. Our attorneys are dedicated to helping you obtain full and fair compensation for your medical bills, lost wages and other hardships.

Contact our New York City law firm today to speak with an experienced New York car accident insurance claim attorney.

What To Do if You’ve Been in a Car Accident

In a car accident involving serious injuries, it is critical that the injured parties receive prompt and adequate medical treatment. This is important not only for medical reasons, but legal as well. The evidence obtained from an initial medical examination could prove vital to the plaintiff’s case.

If possible, the following steps can also be very helpful in pursuing a successful car accident claim:

  • Taking pictures of the accident scene
  • Taking pictures of the damage to your car and other cars
  • Taking pictures of road conditions and road signs
  • Gathering information from potential witnesses
  • Obtaining police reports

It is also important to avoid taking certain actions. For example, do not:

  • Talk to an insurance company before speaking with your own lawyer
  • Repair damage to the car before it is properly documented

Our lawyers have successfully handled numerous car accident cases and can help you understand your rights, and how to successfully pursue a claim. We are focused on helping you achieve a successful outcome, so you have the financial resources to pay for your bills and move on with your life.

Contact the Orlow Firm

Have you or a loved one suffered a serious injury in a car accident? If so, contact our New York car accident lawyers today for information regarding your legal rights.

Call (646) 647-3398 to speak with an attorney.

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