New Jersey Uninsured/Underinsured Car Accident Attorneys
Uninsured/Underinsured Motorist Accident
Liability insurance is a requirement for anyone who wants to operate a motor vehicle in the state of New Jersey. Though some drivers may choose to buy a policy that covers collision repairs, theft, natural disasters or other losses, all drivers must maintain a minimum level of liability insurance as defined by the state.
When drivers go out on the road without insurance, they are making a very unwise decision. Even a minor New Jersey car accident can cost a considerable amount if the driver damages property or injures someone. They will also face fines, a suspended driver's license and possibly jail time. While it is clear that uninsured drivers are acting irresponsibly with their own lives, they pose a risk to everyone on the road. An uninsured driver does not have a clear way to compensate victims if they cause a crash. This can leave others with staggering property damage bills and medical costs with no promise of restitution.
New Jersey has instituted a program that allows drivers to purchase low cost insurance, but it offers less protection than regular insurance. This basic policy covers property damage and personal injury for the driver, but does not protect drivers from claims against them arising from the NJ auto accident they caused. If a driver insured with this type of policy hits you or your car, they might not be able to pay for damages, especially if they include expensive medical bills. This is an underinsured driver. Your insurance policy may be required to protect you from this, but even then, there might not be sufficient funds to cover all of your expenses.
In the case of an uninsured or underinsured driver, the avenues for collecting compensation are less clear than in other personal injury cases. You need a Princeton auto insurance attorney who will pursue financial compensation in all possible ways and will not hesitate to investigate all possible sources. Your insurance company may try to deny your claim for compensation for damages caused by an uninsured or underinsured driver, but they are looking out for their bottom line and not your well-being.
At Lependorf & Silverstein, we do not think it is fair that you should carry the financial burden of a collision that you did not cause, especially when you acted responsibly by maintaining a proper insurance policy. If you or a loved one has suffered due to an uninsured/underinsured car accident in New Jersey, contact us today to schedule a free consultation.