In 2015, there were more than 262,000 auto collisions in the state of New Jersey. Over 60,000 of those wrecks resulted in people sustaining injury. http://www.state.nj.us/transportation/refdata/accident/pdf/njcrash.pdf Although many New Jersey consumers are excellent drivers with no prior collisions, safe driving is not enough to protect themselves against the negligence of another drive
If you sustain damages as a result of an accident, it is important to protect yourself against negligent drivers with little or no insurance coverage. Without the proper insurance coverage, you may find yourself with no recourse to receive compensation for any loss you sustain. Imagine being struck by a driver that flees the scene or just as bad violates the law with no automobile insurance. Just as devastating is being struck by a driver that has limited insurance ($15,000 minimum) or policies that possess NO coverage for injuries caused by that driver.
If any of these circumstances ever occur, it is important that you have adequate insurance coverage to protect your interests. Most standard insurance policies in New Jersey have Uninsured/Underinsured Motorist (UM/UIM) coverage which covers you if you sustain damages as a result of a driver with little or no insurance. This coverage is just as important as your liability coverage, which protects you if you cause an accident. The amount of coverage for UM/UIM coverage should always match the amount of coverage you select for your liability coverage.
According to Jeff Rizika, partner in the personal injury department of Javerbaum Wurgaft, “Never select less than your liability coverage as the difference in cost is very little but the potential benefit is great. It is recommended that you maintain at least $100,000 of UM/UIM coverage on your auto policy.”
If you or a loved one has been injured in a motor vehicle accident, or have a question about your auto insurance coverage, please contact the lawyers in the personal injury department at Javerbaum, Wurgaft. We are here to help. www.javerbaumwurgaft.com/personal-injury