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Having an insurance plan that will cover your needs

Serious motor vehicle accidents have a way of disrupting a person's life, even if only temporarily. Along with the potential of causing a great deal of physical and/or emotional pain, there are often financial ramifications following a collision that can be just as challenging to overcome.

You might be thinking that the insurance company of the party at fault may cover your expenses, but what happens if they don't have insurance, or their coverage amounts are insufficient? If you do not have an insurance plan that will cover your needs, you could be facing a potential disaster.

Additional forms of coverage

In most states, including New Jersey, it is against the law to operate a vehicle without a minimum amount of insurance coverage. Unfortunately, this may not stop some individuals from driving, and if one of them hits you, you might be wondering about the available options for compensation. Perhaps your own plan includes uninsured motorist insurance, which may provide coverage in multiple areas, such as:

  • Injuries:  If seriously injured in the accident, this type of insurance may provide you with financial relief for bodily harm. However, in many cases there is a limit on the maximum amount of coverage that is available.
  • Expenses:  Extensive medical bills often accompany severe injuries, and not having a plan in place could cause you to take on a significant amount of debt.
  • Recovery:  If you are unable to work while recovering, the subsequent loss of income can create numerous financial hardships, especially when coupled with medical expenses.
  • Damages:  Certain plans may also cover damage to certain types of property, such as your vehicle or personal items.

You may also have the option to pursue legal recourse against the party deemed culpable, but if this person does not carry insurance, he or she may also have insufficient assets, which can lessen your ability to obtain restitution in this method.

Guidance moving forward

Being involved in a collision with a driver without insurance can be stressful and daunting, potentially prompting you to wonder where to turn. Perhaps you have uninsured motorist coverage, you may still be uncertain how to proceed, or even concerned about receiving the full amount of monetary restitution you deserve.

You could speak with an attorney with experience in this area for some much-needed guidance on the options available to you. An attorney can address your financial concerns and needs and assist you in pursuing the compensation to which you are entitled through all applicable sources, including the insurance company.

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