Accidents May Spike In Summer, But Here’s How You Can Stay Protected This Season

Summer is the peak season for Long Islanders, filled with beach weekends, backyard celebrations, roadtrips, and plenty of sunshine. Yet, according to Partner Lindsay Langella, the warmer months also usher in something else: a higher risk of accidents.

“As a personal injury attorney, I know that the summer brings a lot of accidents,” she said.

Whether you plan to travel out of town, rent a car, visit a new country, set sail on the water, or even just attend a social gathering, taking a few simple precautions now can help you avoid major headaches (and legal trouble) later. Here’s what to know so you can enjoy the rest of your summer safely.

Road Trips & Car Insurance: Are You Really Covered?

Hotter weather means there are more people on the road, and more opportunities for car
accidents. So before you pile into your car with friends or family for a long drive, it’s smart to
review your auto insurance policy.

What should your policy include?

• Adequate liability insurance in the event you cause a car accident.
• Uninsured/underinsured motorist (UM/IUM) coverage in case the other driver doesn’t have coverage AND make sure these limits are greater than the NY state minimum of $25,000.
• Medical payments or personal injury protection (PIP).

And if you’re planning to rent a car while you’re traveling, ask the rental company exactly what their coverage includes to cover your bases.

“Because if you’re involved in an accident, you want to make sure that, again, you’re covered, even though it’s a rental car,” Lindsay Langella noted.

Boating & Watercraft Accidents: Know The Risks

Hitting the water for boat days is a favorite summer pastime among Long Island residents, but accidents on the water can be devastating. And if you’re the driver, you’re legally responsible for keeping your passengers and others safe.

What some people don’t realize is that their auto insurance does not cover boat-related injuries. Your auto insurance may cover damages to your vehicle or trailer while hauling the boat, but injuries sustained on the water are a different story.

New York State doesn’t require private boat owners to carry boat insurance, either. Nonetheless, it’s highly recommended to safeguard your watercraft, protect you from liability, and provide peace of mind.

Moreover, remember that New York law takes boating under the influence (BUI) extremely seriously. Alcohol-related accidents on the water can result in severe injuries, fines, and even criminal charges.

Drunk Driving & Summer Parties: A Deadly Combo

From Memorial Day to Labor Day, drunk driving accidents surge across the country, and Long Island is no exception. So whether you’re hosting or attending gatherings with alcohol this season, take these precautions to protect yourself and your loved ones.

• Never allow any drunk guests to drive home
• Find a designated driver (DD) or arrange a ride to avoid getting behind the wheel while intoxicated
• Know that social host liability laws may apply if you serve alcohol to minors or visibly intoxicated guests

Victims of drunk driving accidents may suffer severe, life-altering injuries. If you’re injured in a
crash caused by a drunk driver, Langella & Langella will fight to hold them accountable.

Don’t Skip Travel Insurance for International Trips

Finally, are you planning to travel out of the country? If so, you’ll want to remember more than just your passport and some sunscreen. In fact, trip insurance is one of the wisest purchases you can make.

“Make sure you get that trip insurance. It’s worth the extra money that you’re going to spend,” Lindsay Langella explained.

Travelers with trip insurance may benefit from trip cancellation or interruption reimbursement, emergency medical care, lost or delayed baggage reimbursement, and additional assistance for other emergencies.

Don’t just assume that your regular health insurance will cover you internationally, either, because many plans do not.

Hurt In A Summer Accident? Turn To Langella & Langella

From the road to the water and everything in between, summer brings opportunities for both fun and risk. So, review your insurance, ask the right questions, and know your rights.

And unfortunately, no matter how careful you are, accidents can still happen. Whether you suffer a car crash, boating accident, or even a slip-and-fall at a summer pool party, our firm’s experienced personal injury attorneys are here to advocate for you.

Partners Michael and Lindsay Langella will investigate the accident, collect key evidence, deal with your insurance company, and build a legal strategy that’s tailored to your specific situation.

Then, they’ll fight relentlessly to recover compensation for your medical bills, lost wages, pain and suffering, and more.

“If you’re injured regarding a summer accident, I want to make sure that you’re talking to me about it so that we can help you out,” Lindsay Langella said.

Remember that, when the unexpected happens, you don’t have to navigate it alone. Contact Langella & Langella today for a Free Consultation by calling (631) 348-9500.