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Uninsured & Underinsured Drivers

The process of making a claim with your own insurance company is different than filing a claim against someone else’s insurance. Your insurance company’s goal will be to quickly and cheaply settle the claim. You need an experienced Jersey City car injury lawyer on your side to make sure you receive the maximum compensation possible for your injuries.

Bhatt Law Group has knowledgeable New Jersey personal injury attorneys with decades of combined experience in car accident claims, including those involving uninsured and underinsured drivers. Contact Bhatt Law Group for a free initial consultation

Uninsured and Underinsured Coverage Requirements in New Jersey

According to the Insurance Information Institute, more than 10 percent of drivers in New Jersey are uninsured motorists. Therefore, it is no surprise that standard insurance policies in New Jersey are required to provide a minimum amount of coverage for uninsured and underinsured motorists. This includes:

  • Property damage protection of at least $5,000 per accident. This insurance coverage does not include the costs of repairing your vehicle.
  • Bodily injury liability benefits of at least $15,000 per person for up to $30,000 per accident.

Additionally, the law requires insurance companies to offer additional uninsured and underinsured motorist coverage in standard policies up to the following limits:

  • $250,000 for each person and $500,000 for each accident for bodily injuries
  • $100,000 each accident for property damage or up to $500,000

Filing Uninsured and Underinsured Motorist Claims

Uninsured and underinsured motorist coverage is intended for accidents when the party at fault has no insurance or has insufficient insurance to cover all liabilities. Additionally, this coverage applies if you were in an accident with a stolen vehicle or were involved in a hit and run crash.

Under New Jersey comparative negligence law, you must prove that the other driver was more at fault than you for the accident in order to collect uninsured or underinsured motorist insurance benefits.

Additionally, your insurance company will try to reduce your compensation according to the percentage it considers you to be at fault for the crash. Although you will be working with your own insurance company, it operates much like that of the responsible party. It is not focused on your best interests, but rather on how to settle a claim quickly and for the least amount of money possible.

Call a Jersey City Car Accident Attorney Today

The process of filing an uninsured or underinsured motorist claim is complicated. You must gather evidence and prove to your own insurance company that you deserve compensation for losses that exceed those that have already been covered. Your insurance company will likely engage in efforts to minimize your claims.

If you’ve been in a Jersey City car accident and someone else is at fault, you reasonably expect that the person has insurance coverage that will pay for your losses. However, this isn’t always the case, particularly when it comes to uninsured and underinsured drivers. When the person responsible does not have insurance or does not have enough insurance to cover your losses, you may end making a claim against your own insurance company.

You do not have to face insurance companies alone. Bhatt Law Group has been helping people in New Jersey since 2006, and with our collective years of experience in New Jersey personal injury, we can help you file a claim with your insurance company and prove that you are entitled to compensation.

Call Bhatt Law Group today at (201) 798-8000 for a free consultation. We will deal with the legal issues while you focus on recovery.