What is an Uninsured Motorist Claim?
All New Jersey motor vehicles are required to carry liability insurance. Unfortunately, many people are driving around without insurance because their policy was canceled or not renewed or never purchased. If you were injured by someone who has no insurance, who do you recover from? If you have your own auto insurance, you may have coverage called uninsured motorist coverage (UM). This insurance protects you in the event someone without insurance causes you injury. It also covers situations where the person who caused the accident fled the scene and is unknown. Most policies carry this type of uninsured motorist coverage, but not all.
What is an Underinsured Motorist claim?
If the person who caused the accident has liability insurance for an amount less than the value of your injuries, you may be able to pursue a claim for underinsured motorist benefits from your own policy. For example, if a car rear-ends you and causes you injuries and only has $15,000 in liability coverage, and you have auto insurance with limits of $100,000, you can make a claim for the additional $85,000 that you can not collect from the defendants insurance.
Whose Uninsured or Underinsured Motorist Insurance Covers Me?
This can be complicated based on a number of factors. If you own your own vehicle, even if it is not a vehicle involved in the accident, then your own auto insurance UM/UIM coverage will apply. If you were injured in someone else’s vehicle, such as a family member, friend, employer, bus or taxi, then the insurance on that vehicle may also apply. Many times there is more than one policy of uninsured or underinsured motorist coverage available to cover you for the injuries you sustained.
Because every uninsured/underinsured accident claim is unique, the best advice can be provided if you call 201-798-2711201-798-2711 to speak with a skilled New Jersey car accident attorney. You will work directly with an experienced personal injury lawyer at no cost and no obligation to you. We can answer many questions right on the phone and, if you like, schedule a free in-person consultation at our Jersey City law firm or newfoundland law office.
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Identifying and Pursuing Uninsured Motorist and Underinsured Motorist Claims in New Jersey
If you were the victim of a hit-and-run accident or were hit by a motorist with little insurance coverage, you should obtain experienced legal help immediately.
Our firm’s personal injury attorneys are highly skilled at interpreting complex insurance policies and at disputing exclusions and exceptions that insurance companies try to argue.
For more than 40 years, our law firm has effectively handled uninsured and underinsured motorist claims. We will identify all potential sources of insurance and prosecute the claims with these insurance companies to the fullest extent of the law. As these cases are complex, we urge you to contact us immediately. Long delays make it difficult to determine and obtain the insurance in effect on the date of the accident.
Contact Our New Jersey Underinsured Motorist Lawyers
If you were in a car accident involving an uninsured, unknown or underinsured driver, obtain experienced legal help. Our law firm will not hesitate to fight back against any attempts made to limit your sources of financial recovery. Contact our law firm online or call our Jersey City accident lawyers at 201-798-2711201-798-2711 or our West Milford law office at 973-874-0556973-874-0556 to schedule a free initial consultation.
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Evening or weekend appointments and home or hospital visits can be arranged throughout Northern New Jersey.
Give us a call; we’re here for you.