Uninsured Motorist Claims in New Jersey

What is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is a type of car insurance designed to protect you if you're involved in an accident with a driver who either has no insurance or insufficient coverage. In New Jersey, this coverage is crucial.

For instance, if you are injured in a car accident due to the negligence of an uninsured driver, your UM coverage can help pay for your medical bills, cover lost wages, and assist with costs for vehicle repairs. It’s noteworthy that all drivers in New Jersey are mandated to have uninsured motorist coverage, but the specific limits can vary from one insurance provider to another.

Why You Need Uninsured Motorist Coverage in New Jersey

The reality of driving in New Jersey means that there is a substantial risk of encountering uninsured drivers. Recent reports indicate that approximately 7% of drivers in New Jersey operate without insurance, underscoring the importance of marking uninsured motorist coverage as essential in your car insurance policy.

If you are involved in an accident with an uninsured driver, you typically face two pathways for recovering damages. You can either:

• Claim compensation through your own insurance via your UM coverage.

• Sue the at-fault driver, which may not be productive if they lack the financial means to pay you.

  
  

Given these options, having UM coverage protects you financially against the potential pitfalls of a hit-and-run or an accident caused by an uninsured driver.

Understanding the Limits of Your Coverage

In New Jersey, your uninsured motorist coverage will have specific limits. For example, if your policy includes a $250,000 UM coverage limit, that will be the maximum amount your insurer can pay for damages resulting from an accident with an uninsured motorist.

Additionally, consider that some policies also provide underinsured motorist coverage, which offers extra protection if the at-fault driver has insurance but not enough to cover your damages. Having both coverages can greatly enhance the financial security you have while on the road.

When to Contact an Attorney

The claims process can sometimes feel daunting, especially if you run into complications with your insurance company or if your claim is lowballed or denied. In these instances, reaching out to an attorney can be highly beneficial. An experienced personal injury attorney can clarify your rights, help negotiate with insurance companies, and represent you in court if needed.

Closing Thoughts

Understanding uninsured motorist claims in New Jersey is essential for drivers. Unfortunately, accidents with uninsured drivers happen more often than we’d like to think. By securing the right coverage and staying informed about your rights, you can navigate this challenging process more smoothly.

While claims may seem straightforward, expert guidance can make a significant difference. Whether dealing with serious injuries or covering vehicle repair bills, being proactive and informed about uninsured motorist claims can safeguard you and your financial future.