Due to the volume of vehicles on the roads, there are unfortunately many motor vehicle accidents on the roads each day as well. This is why everyone in New Jersey is required to have insurance on his or her vehicle. It is important that the victims of these accidents, who have done nothing wrong, are properly compensated for the injuries they suffer and the damage caused by the other driver.
While every driver in New Jersey is supposed to have insurance on his or her vehicle, unfortunately that is not always the case. There are many drivers who either do not have insurance or do not have policy limits high enough to pay for all of the injuries and damage they cause. This can put the victims in a very difficult position. While they are trying to recover physically, they are also left trying to figure out how to pay for the damages.
What to do if Injured by Uninsured Driver
Victims who find themselves in this unfortunate situation can often still receive compensation. They can do this by filing an uninsured motorist claim with their own insurance company. If the other driver was uninsured or underinsured, the victim still needs to file a claim with the other driver’s insurance company to figure out how much he or she will receive from that insurance company first. Then he or she would file a claim with his or her own insurance company for uninsured or underinsured motorist coverage. If the other driver did not have insurance at all, then the victim can file the claim directly with his or her own insurance company.
It is important to know that when filing an uninsured motorist claim, the victim’s own insurance company still will determine fault and the extent of the damages as if they were the other driver’s insurance company. Even though it is the victim’s own policy, he or she still needs to be prepared for an investigation into the accident to determine how much compensation he or she will receive.
There are many car accidents on New Jersey roads and many are caused by uninsured or underinsured drivers. It is important that the victims are still compensated through their own insurance policy. Experienced attorneys understand the complications that arise in these claims and will be able to guide you through this process.