Car accidents in New Jersey often bring stress. The challenges only grow if you find out that the other driver has no insurance. While New Jersey law requires all drivers to carry liability insurance, unfortunately some still drive without it.
When these accidents happen, you could face medical bills, lost wages, and property damage. By learning about your insurance protections and possible remedies, you can approach these events with greater clarity.
Understanding Uninsured Motorist (UM) Coverage in New Jersey
Uninsured motorist coverage, also known as UM, is optional coverage in New Jersey auto policies. It applies when the at-fault driver has no insurance or there is a hit-and-run. In addition, Underinsured Motorist (UIM) coverage applies when the other driver carries insurance that is too low to cover your losses.
UM and UIM coverage may:
- Pay your medical costs when the other driver lacks insurance;
- Cover your lost wages from accident injuries;
- Provide protection for pain and suffering in certain cases; and
- Set coverage limits that match your liability limits.
In practice, minimum coverage often pays only part of your losses. Because serious injuries can create expenses beyond those limits, raising coverage before an accident reduces this gap and protects you and your family from relying on what coverage the other driver may or may not have.
Pursuing Legal Remedies After an Uninsured Driver Accident
You can initiate a UM claim through your insurer. At this stage, prompt notice and complete records are crucial. Police reports, photos, medical papers, and repair estimates support the claim.
While you may file a lawsuit against the uninsured driver, collecting money can prove difficult when drivers have few assets. This is why consulting with an experienced attorney about your claim options is vital.
Consult With Legal Counsel to Know Your Rights
Accidents involving uninsured drivers create additional burdens beyond those of typical collisions. UM and UIM coverage provide safeguards, though limits may not cover severe outcomes.
If uncertainty arises, it may be beneficial to reach out to a motor vehicle accident attorney. Guidance from counsel can help you understand your rights, review coverage and seek fair compensation with greater confidence.