Insurance Issues in Motor Vehicle Accidents
Ideally, the driver who negligently caused your accident has sufficient insurance coverage to pay for the damage to your vehicle and for any medical expenses associated with your injuries.
It is an unfortunate fact that far too many drivers are either uninsured or have elected to purchase only the minimal level of insurance mandated by New Jersey law.
The result is that you may be forced to file a claim with your own insurance company for the shortfall in coverage (in underinsured motorist cases) or all of your damages if the driver responsible for your accident was uninsured. This may also be the case if the driver is unknown, as in a hit-and-run accident.
Even if the other driver is insured, you may have to consult an experienced attorney who can help you obtain the full financial compensation you deserve.
The New Jersey personal injury attorneys of Levin & Malkin have substantial experience in helping individuals injured in an uninsured motorist accident obtain the insurance settlement they deserve.
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New Jersey law says drivers need uninsured motorist coverage
Under New Jersey law, drivers are required to purchase and maintain uninsured motorist coverage. Even if you are not currently covered by an uninsured motorist policy, there are options.
There is a state fund in New Jersey for individuals that do not have insurance or whose injury is not covered by an existing insurance policy. This can include injured pedestrians hit by a car and anyone injured in a hit-and-run accident.
Underinsured motorists and umbrella coverage
Some drivers may have an umbrella policy that covers many types of accidents or negligence that they might be held liable for. An umbrella policy is largely designed to save a person's house in the even that they are held responsible for the financial costs of an accident, if their accident insurance alone is insufficient to pay you.
The laws and policies involved in determining insurance coverage and settlement amounts in negligent accident and injury cases can be extremely complex. The lawyers of Levin & Malkin can provide you with a thorough assessment of your case and discuss your options in seeking financial recovery through an insurance settlement.
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For a free consultation to talk about a hit-and-run, uninsured or underinsured motorist or pedestrian accident, call our office in Hackensack, New Jersey, at 201-342-1515 today.
