Why You NEED Uninsured/Underinsurance Motorist Coverage
By: Andrew S. Prince, Esq.
I am always saddened to have to tell a severely injured client that there is not enough insurance available to compensate them for their injuries and losses. I urge all of you reading this article today to pull out your motorcycle and automobile insurance policies and make sure that you are fully protected in the unfortunate event you are the accident victim of an uninsured or underinsured driver.
Uninsured/underinsured (UM/UIM) motorist coverage is the most important coverage for any motorist to carry. UM coverage provides compensation to you for damages to you caused by someone who carries no liability insurance or if you are injured by a “hit and run” driver. I have many people tell me that they do not believe they need UM coverage because they have health insurance. Health insurance is not the answer or solution. In addition to medical bills, damages that an accident victim may sustain include lost wages and pain and suffering and permanent injury and future medical care.
Many people are surprised to find out after they are a victim of an accident that New Jersey does not require motorists to carry sufficient bodily injury coverage, therefore, the chances of being injured by someone with minimum liability insurance are substantial.
In the event that you are injured by someone with little or no insurance, you are able to make a claim with your UM/UIM carrier to be compensated for your injuries, lost wages and pain and suffering. If you carry liability insurance, your insurance company has to offer you the same amount of UM/UIM coverage. Always purchase the highest amount of UM/UIM offered to you. Progressive Insurance now offers $500,000 of UM/UIM coverage on a motorcycle.
Protect yourself and your loved ones. Check your motorcycle and automobile policy today and make sure that you are carrying maximum insurance coverage. If you have any questions about your insurance coverage or need any additional information regarding a motorcycle or automobile accident, please contact my office at (732) 388-5454 or 1-800-TEAM-LAW. I will be happy to answer your questions free of charge.
Andrew S. Prince, Esq.
136 Central Avenue
Clark, NJ 07066
1 (800) 832-6529
(732) 388-8711 — Fax
Additional Offices in New Jersey
Edison, East Brunswick, Jersey City,
Newark, Orange, Perth Amboy, Westfield
and West New York
By: Andrew S. Prince, Esq.Attorney1-(800)-TEAM-LAW (832-6529)[email protected] Call With Any Questions or Concerns! However, if charged and guilty of being under the influence of legal prescription drugs while driving, there is a mandatory loss of license for 7 months to 12 months. The New Jersey DWI statute is not only about prohibiting driving after drinking, it[…]
After you’ve been involved in a motorcycle accident that was someone else’s fault, you may know that the party at fault for your accident may be legally obligated to compensate you for your damages, such as costs to treat your injuries and your lost wages. But you may be able to cover those expenses without[…]
Wearing a helmet while riding a motorcycle can prevent serious head trauma and save your life in the event you are involved in an accident on your motorcycle. This is why New Jersey law requires all persons riding on a motorcycle to wear an approved helmet. If you disregard this requirement and get into an[…]