Important Things About Uninsured Motorist Claims In NJ Area

Aug 19

Important Things About Uninsured Motorist Claims In NJ Area

New Jersey witnesses tens of thousands of people hitting the road every day. With so many people on the road, the chances of accidents are always high. This is the reason why all motorists are required to take underinsured and uninsured motorist coverage. There is no alternative to these policies as the government has made it compulsory for every vehicle owner to have them. The minimum coverage amount of these policies is as follows:

  • $15,000 for injuries covering one person
  • $30,000 for injuries of all the passengers present in the car at the time of the accident
  • $5,000 for any damage to the car

Importance of Uninsured Motorist Coverage:

Usually, when you meet with an accident due to another party’s fault, you can sue them and get compensation to cover your medical bills and car repair expenses. However, there are times when the car driver who’s at fault doesn’t have enough insurance coverage to pay the compensation you demand. The uninsured motorist claims play a critical role in such cases. 

About 15% of motorists in the New Jersey area are either underinsured or uninsured. If they crash into another vehicle and cause damages, practically, it’s not possible for them to compensate for the losses incurred. Uninsured motorist claims can help them in situations like these. Some common examples of situations where uninsured motorist claims come handy are:

  • When the party responsible for the accident doesn’t have an insurance policy
  • If the insurance company of the party responsible for the accident denies coverage
  • If the insurance coverage of the party responsible for the accident goes bankrupt
  • If the driver flees from the accident spot after a hit-and-run accident case

If you find yourself dealing with any of the above-mentioned scenarios, then it’s better to take the help of and file for uninsured motorist claim without wasting any time. It’s the easiest and smoothest way to recover your expenses related to medical bills and the vehicle repair cost in the New Jersey area.

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