The aftermath of a car accident can leave physical and
At the law firm of O’Connor, Parson, Lane & Noble,
What is a NJ Uninsured Motorist Claim?
All New Jersey motor vehicles are required to carry liability insurance. Unfortunately, many people are driving around without insurance because their policy was canceled, not renewed or never purchased. If you were injured by someone who has no insurance, who do you recover from?
If you have your own auto insurance, you may have coverage called uninsured motorist coverage (UM). This insurance protects you in case someone without insurance causes you injury. It also covers situations where the person who caused the accident fled the scene and is unknown. Most policies carry this type of uninsured motorist coverage, but not all.
What is an Underinsured Motorist claim?
If the person who caused the accident has liability insurance for an amount less than the value of your injuries, you may be able to pursue a claim for underinsured motorist benefits from your own policy.
For example, if a car rear-ends you and causes you injuries and only has $15,000 in liability coverage, and you have auto insurance with
Whose Uninsured or Underinsured Motorist Insurance Covers Me?
This can be complicated based on a number of factors. If you own your own vehicle, even if it is not a vehicle involved in the accident, then your own auto insurance UM/UIM coverage will apply.
If you were injured in someone else’s vehicle, such as a family member, friend, employer, bus or taxi, then the insurance on that vehicle may also apply. Many times there are more than one policy of uninsured or underinsured motorist coverage available to cover you for the injuries you sustained.
Results may vary depending on your particular facts and legal circumstances.
This is a personal injury automobile case wherein our client was struck in his vehicle. The defendant’s vehicle hit our client’s vehicle in a t-bone collision.
Our client was hit by a car when riding a bicycle. The accident caused him to suffer from a pelvic fracture.
Discuss Your Case with Our Uninsured/Underinsured Motorist Accident Attorneys Today
Because every uninsured/underinsured accident claim is unique, contact our New Jersey Uninsured/Underinsured Motorist Accident lawyers at the offices of O’Connor, Parsons, Lane & Noble. Contact us online or call us at (908) 928-9200 or 1-800-586-5817.