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New Jersey Underinsured and Uninsured Motorcycle Riders Are Risking Their Safety  and Financial Security

It is common knowledge that in order to drive a vehicle in New Jersey, you must carry insurance coverage. This is equally true with motorcycles. In fact, motorcyclists should focus even more attention on the amount of their insurance coverage than other drivers because motorcycle riders are, by far, the most vulnerable motorists on the road.

Uninsured/Underinsured coverage is required by state law for your benefit. These coverages protect you against losses caused by uninsured, underinsured and unknown drivers. Unknown drivers are also referred to as “hit and run” drivers. Team Law Motorcycle Accident Attorney Andrew A. Prince has been protecting the rights of motorcyclists for over 25 years.  He  is a major supporter of bikers’ rights, sits on the Board of Directors of Rider Education of the State of New Jersey, is a contributor to the American Motorcycle Association. Contact Andrew Prince by phone, email (aprince@teamlaw.com) or fax (732) 388-8711. He understands the constantly evolving motorcycle laws, and he is extremely knowledgeable in the area of motorcycle insurance. Let Mr. Prince help you determine if your current motorcycle insurance coverage meets your needs. He will review your policy for free.

NJ Motorcycle Accident Lawyer Ensures You Have Adequate Insurance Protection in Edison, New Brunswick, Newark and Across the New Jersey

When you purchase motorcycle insurance, you get what you pay for. In the State of New Jersey, the minimum required liability insurance coverage is $15,000. If you purchase only this minimum coverage, you are putting yourself and your family at risk. To better illustrate why this is a bad decision, consider the following scenario. If both you and the other driver involved in the accident have purchased minimum coverage on your vehicles ($15,000), and you are badly injured, the amount of compensation you receive will not exceed the total of the two policies. So, even if your medical bills are $50,000 or more, there is only an available $30,000 between the two policies. However, if you had purchased the maximum protection of $500,000, you would be provided with underinsurance protection. If the other driver only has the minimum $15,000 of protection, the underinsurance coverage will provide up to $485,000 more for your injuries or damages. That’s a life changing difference, and the additional coverage is significantly less expensive than you might imagine.

An increase in protection from the minimum of $15,000 to the maximum of $500,000 may cost you only about $1 per day extra in insurance premium.

Purchasing the best insurance policy for your specific needs isn’t just about the minimum and maximum coverage amounts. There are certain coverage options that are required in New Jersey, and others that are simply advisable.  For example, you are required by law to carry Uninsured/Underinsured Motorist Coverage. The minimum coverage amounts are below:

  • $15,000 for injuries sustained by a single person in an accident;
  • $30,000 for injuries sustained by all parties injured in an accident;
  • $5,000 for property damage caused by the accident.

Andrew Prince will review your existing policy to assess your current coverage. If it appears that your coverage is lacking, Mr. Prince will help you understand your options and show you how to obtain more comprehensive coverage in Essex, Orange, Jersey City and throughout the state. Motorcycle accidents are an unfortunate reality, however with proper education and a solid insurance policy, your risk of injury and death is drastically reduced.

Contact Andrew Prince for a Free Assessment of Your Uninsured/Underinsured Motorcycle Coverage

You may be thinking, “Hey, I’m an experienced biker. I know how to avoid accidents.” We are sure that’s true. However, the others on the road may not be as experienced as you. Consider that bikers re five times more likely to be injured in an accident and over 26 times more likely to die. In our country alone, there were 88,000 motorcyclist injuries in 2013. In New Jersey, the highest incidences of motorcycle accidents occur on the following parkways: Route 287,  Route 206,  Route 295,  Route 202,  Route 1,  Route 3,  Route 9,  Route 22,  Route 70 and  Route 78.

Team Law’s Andrew Prince understands the risks involved in motorcycle riding. He is a rider advocate and gives frequent educational lectures at his main office in Clark, NJ. Mr. Prince handles motorcycle accident  cases throughout Union and Middlesex Counties and across all the counties in the state of New Jersey. He is exceptionally knowledgeable about motorcycle insurance. Contact him today for a free assessment of your current coverage.

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