Personal Injury

Injured by an Under-Insured or Uninsured Driver in New Jersey? We’re Here to Help.

The second benefit that your own automobile policy provides is protection for you and your family in the event that you are injured by someone who has no insurance coverage or who has a limited amount of coverage, which is insufficient to compensate you for your own personal injuries. This is called uninsured/underinsured motorist coverage.

You can only buy uninsured/underinsured coverage up to the limits of your liability coverage. For example, if you choose liability limits of $300,000, then you can and should buy uninsured/underinsured motorist coverage of $300,000. In the event you are seriously injured in an automobile accident caused by someone who has no coverage or who has less coverage than the coverage you purchased to protect yourself, then you can seek recourse under your own policy up to the limits of the uninsured/underinsured motorist coverage you have chosen. On the other hand, if you only purchased a policy of $15,000/$30,000, then you cannot purchase higher UM/UIM coverage limits and it is likely that in the event you are seriously injured by a driver who is also minimally insured, you will never be fully compensated for your losses.

The premium cost for additional UM/UIM coverage limits is less than the additional cost of increased liability limits. In the past, some insurance companies automatically wrote UM/UIM limits equal to the additional liability coverage you purchased, but that is no longer the case. If you do not select the higher UM/UIM limits, the insurance companies will sell you lower and often minimal limits, since lower UM/UIM limits protects the insurance carrier from exposure rather than providing protection for you and your family.

Pursuing a claim under your own policy for uninsured/underinsured benefits does not result in a surcharge where you are not at fault for the accident. Contact our firm to learn how we can help you.

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The second benefit that your own automobile policy provides is protection for you and your family in the event that you are injured by someone who has no insurance coverage or who has a limited amount of coverage, which is insufficient to compensate you for your own personal injuries. This is called uninsured/underinsured motorist coverage.

You can only buy uninsured/underinsured coverage up to the limits of your liability coverage. For example, if you choose liability limits of $300,000, then you can and should buy uninsured/underinsured motorist coverage of $300,000. In the event you are seriously injured in an automobile accident caused by someone who has no coverage or who has less coverage than the coverage you purchased to protect yourself, then you can seek recourse under your own policy up to the limits of the uninsured/underinsured motorist coverage you have chosen. On the other hand, if you only purchased a policy of $15,000/$30,000, then you cannot purchase higher UM/UIM coverage limits and it is likely that in the event you are seriously injured by a driver who is also minimally insured, you will never be fully compensated for your losses.

Pursuing a claim under your own policy for uninsured/underinsured benefits does not result in a surcharge where you are not at fault for the accident.

Why Work With PCPM?

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