Uninsured & Underinsured Drivers Attorney
Making a claim with your insurance company is a very different process than making a claim against someone else’s insurance company. Your insurance agent will have every intention of trying to settle for as little, and as quickly, as possible. You’ll need an experienced and knowledgeable Jersey City uninsured and underinsured drivers attorney to ensure that you are compensated to the fullest extent that you deserve. The law firm of Greenberg, Walden, & Grossman, LLC has decades of experience practicing law for our clients. With a lawyer from our firm, you will receive the maximum amount of compensation possible.
Have you been in an accident with an uninsured or underinsured driver? An experienced attorney can help fight to make sure that you are fairly compensated for your injuries and/or loss of property: Call Greenberg, Walden, & Grossman, LLC today for a free consultation.
Coverage Requirements for Uninsured and Underinsured Accidents
According to the Insurance Information Institute, more than one in ten New Jersey drivers are uninsured motorists. As a result, insurance policies in New Jersey are required by law to provide a certain level of coverage for accidents in which an uninsured or underinsured driver is involved. This coverage includes:
- A minimum of $5,000 per accident, allocated for property damage alone, which does not cover the cost of vehicle repair.
- A minimum of $15,000 per person, allocated for bodily injury liability, up to a maximum of $30,000 for a single accident
Furthermore, insurance companies are legally required to offer additional uninsured and underinsured driver coverage up to the following maximums:
- $250,000 allocated for bodily injury liability, for each person, up to $500,000
- Property damage coverage of $100,000 up to $500,000
Filing an Uninsured and Underinsured Driver Claim
The coverage for underinsured and uninsured driver auto accidents is, by definition, intended for crashes in which the at-fault party has insufficient insurance to make the other party whole, or has no protection at all. It can also be used if the driver of a stolen vehicle caused your accident, or if a hit-and-run driver struck your car.
In New Jersey, the statutes governing which driver was at fault in an accident is called “comparative negligence law.” Comparative negligence law requires you to prove that the other driver carries a greater responsibility for the accident than you do; this is if you want to collect insurance benefits under uninsured and underinsured motorist coverage.
Furthermore, you may find that your insurance company attempts to establish that you were at partial fault for the crash. If they can do so, they can deduct compensation based on the percentage of your responsibility for the accident. Even though it is your insurance company, rather than the opposing party’s, they do not necessarily have your best interests in mind. They will attempt to settle as quickly as they can, and they will try to pressure you to settle for much less than you deserve.
Make Sure You Are Fairly Compensated
Filing an uninsured or underinsured driver claim is not a simple matter, and there are many factors stacked against you. Even investigating to prove that you were not at fault for the accident is time-consuming and requires a significant amount of disquisitive expertise. Your own insurance company will be actively working against you to deny you the settlement that you deserve.
However, you don’t have to face this challenging situation on your own. A dedicated, aggressive lawyer can be a powerful weapon. Instead of your insurance company using the law against you, you’ll have your own legal resources that you can use to protect your rights.
If you’ve been in an accident in Jersey City, you need legal representation that is both competent and compassionate to represent your best interests and fight for your statutory rights. You deserve to be fairly compensated for your losses. Call today to find out how we can help.