Latos Latos and Associates PC

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What does Uninsured and Under-insured coverage provide protection for? When the driver of an at-fault vehicle doesn't have liability insurance, the under-insurance provision of your liability policy will afford you the protection you need provided that your under-insurance coverage is higher than that of the offending vehicle. For example, if the offending vehicle carries a 25/50 policy and you are seriously hurt, the $25,000 coverage from the offending vehicle will not be en...ough to compensate you. If, however, you carry under-insurance coverage higher than the limits of the offending vehicle, then you have the right to receive additional compensation from your own insurance carrier. It is important to make sure that when you take out liability coverage you also obtain adequate under-insurance coverage to protect you in case an offending vehicle doesn't carry adequate coverage. Uninsured coverage protects you when an accident occurs with a vehicle that doesn't have insurance coverage or in a hit and run accident. The minimum coverage provided to drivers in New York State is $25,000. Additional coverage in excess of the minimum may be obtained from your liability carrier. Always be aware of your insurance coverage. If an accident occurs, it will be too late to obtain additional coverage. Uninsured and Under-insured coverage must be in place prior to any accident in order to be effective and to cover you. Always review you coverage with you insurance company to make sure you carry adequate insurance.

In NYS many construction workers are injured as a result of a fall from a height, while in the course of their employment. Their injuries are covered under Section 240 of the NYS Labor Law also commonly referred to as the "Scaffolding Law". Basically, the law states that workers who perform work at heights, must kept safe from injuries. The responsible parties for workers safety are: the Construction Company, the Contractor and or Sub-Contractor, who are working on the property, as well as the Property Owner. Safety measures must be adhered to at all times. If a worker is injured as a result of a fall and it is proven that the proper safety measures necessary to keep the worker safe were not followed by the responsible parties, then they will be held accountable for the injuries sustained by the worker.

Serious injuries occur as a result of defective NYC sidewalks. It is not immediately clear who the responsible party is and who is at fault for the injury a person may sustain as a result of the defective sidewalk. These injuries are usually refered to as Trip and Fall accidents. Section 7-210 of the Administrative Code of the City of New York places the duty to maintain the sidewalk on the real property owner. However this subdivision does not apply to one-two or three fami...ly homes that are in whole or in part owner occupied and used exclusively for residential purposes. Multiple parties may be responsible to the injured party, which may include the property owner, the City of New York as well as others who control or maintain the real property. An attorney who handles these types of claims is best able to advise an injured party as to their rights including filing the necessary notice requirements with the City of New York. See more

Its been a while since we got hit with such severe snow storm. However, regardless of the severity of the storm New York City homeowners have a duty and a responsibility to remove snow and ice from the city sidewalk in front of their homes or face fines and or violations. NYC Homeowners must remove and clean snow and ice within 4 hours after the snow has stopped falling or by 11am if the snow has not stopped falling after 9pm of the previous evening. Homeowners must to proper job thoroughly cleaning the snow.