Our Accident Lawyers Know What it Takes to Obtain Compensation after a Collision with an Underinsured or Uninsured Driver in NJ
When you’ve been injured in an accident caused by another party’s neglect, the last thing you want to worry about is whether their insurance will cover your medical expenses. Our team of attorneys is prepared to thoroughly investigate your accident, communicate on your behalf with the insurance company and other involved parties, and seek full damages from the uninsured and underinsured driver responsible for your accident injuries. Contact us today at 732-825-6120 for a free consultation regarding your claim, and read on to learn more about how uninsured and underinsured drivers affect personal injury claims.
What Happens when You are Hit by Underinsured or Uninsured Driver in New Jersey
Uninsured drivers do not have automobile insurance. Underinsured drivers have insurance, but their coverage’s liability limits are too low to cover the cost of your medical expenses. This can create a real problem when they are at fault for an accident and someone is injured. While New Jersey has the lowest rate of uninsured drivers at 3.1 percent, there are still many on the road. In fact, 28 million motorists around the country do not have auto insurance. In order to protect yourself from these drivers, you can add uninsured or underinsured motorist coverage to your auto insurance plan. If you’ve been injured by just such a driver, you need to call an experienced New Jersey car accident attorney immediately to help you recover medical expenses, lost wages due to injury, out-of-pocket costs, and non-economic costs like pain and suffering.
Some Drivers Still Don’t Have Auto Insurance in NJ
While most drivers in New Jersey do have some form of automobile insurance, some elect not to invest in automobile insurance for a number of reasons. One common belief is that auto insurance doesn’t cover enough to be worth it. Others don’t have the funds to invest in auto insurance, though it is legally required. Still, others believe that because they don’t own a car, they don’t need insurance when driving others’ cars.
How Uninsured/Underinsured Motorist Coverage Works
When you are injured in an accident, and the at-fault driver is uninsured or underinsured, you may not be able to recover full compensation for your injury and property damages. Without the help of a skilled accident injury attorney, it can prove very difficult to recover monetary damages from a person who does not have insurance because they do not have the funds to cover it. Underinsured motorist coverage provides a stopgap that helps cover injury expenses when the other driver’s liability limits don’t cut it. Having an insurance policy that helps cover the difference when the at-fault driver can’t cover costs is essential. Whether or not you have underinsured motorist coverage included in your policy, however, you’ll need to file an uninsured motorist claim to recover as much of the injury damages as you can. For that, you need a qualified, aggressive accident injury attorney.
Hit by an Uninsured or Underinsured Driver in New Jersey? Contact our NJ Accident Lawyers as Soon as Possible
Recovering compensation after an accident caused by an uninsured driver is complex, as most uninsured drivers fail to carry the required insurance because they do not have the funds. How can you recover funds from someone without them? If you do not receive sufficient monetary compensation for your accident because the driver does not have insurance coverage or funds to cover them, our lawyers can help. We can review the entirety of your case to determine whether the responsible party has other assets that can be pursued in a personal injury lawsuit against the driver to recover additional damages. Our practice serves truck, car, motorcycle, and other accident victims in Middletown, Red Bank, Tinton Falls, Neptune, Brick, Howell, Belmar, Freehold, and surrounding communities in Ocean County, Monmouth County, and Southern New Jersey.
Our team will fight for your rights if you have been injured in a crash, despite the fact that the responsible party has not obtained mandatory New Jersey auto insurance or has been driving underinsured. You have the right to have your medical expenses, out-of-pocket costs, lost wages, and pain and suffering completely covered if you were injured due to someone else’s fault. Contact us at 732-440-3950 today for a free consultation to learn how we can get you on the road to full recovery, both physically and financially.