Injured by a Driver With No Accident Insurance?
What happens if the driver who caused your injury accident is not insured for bodily injury? What happens if the driver is insured, but his or her policy doesn’t cover all of your damages?
Most auto insurance policies have uninsured/underinsured motorist coverage (UM/UIM coverage) for this scenario. However, insurance companies often fight these claims even when policyholders have serious injuries. Fort Lee uninsured motorist attorney Jae E. Lee and the legal team at Jae Lee Law will stand up for your rights when you most need your insurance provider to honor its obligations.
Contact our law firm online or by telephone at 201-346-3800 to speak with one of our experienced New Jersey uninsured motorist lawyers.
Underinsured & Uninsured Motorist Attorneys
The Insurance Research Council estimates that at least 8 percent of New Jersey drivers do not carry the state-mandated liability insurance. However, your injuries and losses should still be covered through an uninsured motorist claim under your policy if the other driver had no insurance. The uninsured motorist also covers you for phantom vehicle accidents (unidentified hit-and-run) and if the negligent motorist or the insurer is bankrupt.
Many drivers who do have liability insurance carry only the minimum uninsured motorist coverage of $15,000 per victim, up to a maximum of $30,000 total for an accident. If there were several people injured, or if the injuries are severe, that driver’s insurance may not cover all the losses. Your underinsured motorist policy should cover the rest.
