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
For motorcycle riders, a weekend ride is many riders’ idea of relaxation. Do not have the right motorcycle insurance? Relaxation can quickly turn into a nightmare. Before selecting or renewing motorcycle insurance coverage, here is what you need to know. Most importantly, you need insurance. Coverage For motorcycle liability coverage, there are two different types:[…]
Call Me for A Free Consultation The cost of motorcycle insurance depends on a variety of factors, including your age, bike, riding history, coverages, location and the insurance company you buy from. Here’s What Affects Ypur Price for Motorcycle Insurance Location We know you live to ride, but did you know that where you live[…]
Call Me for a Free Consultation! If you are filing an accident claim after being injured in a motorcycle crash, one useful method to receive the compensation you need is to document your recovery. Many personal injury accident victims create a diary where they carefully record everting that happens after the crash. This can include[…]