There are many cars on the roads in New Jersey and it does not always take a major mistake to cause car accidents. These accidents can result in damage to vehicles and injuries to the drivers and passengers. Because car accidents are relatively common and can happen anywhere, drivers in New Jersey are required to have car insurance.
Just because that’s the law does not mean that every driver has insurance. There are others who may have insurance, but their policy limits are low. This means that the insurance policy may not have high enough limits to pay for all the damage to people’s vehicles or pay for all of their medical bills.
This can leave accident victims with financial as well as physical difficulties. However, people in this situation may be able to still receive compensation for the damages if they have uninsured/underinsured motorist coverage on their car insurance policy.
Basics of uninsured/underinsured motorist coverage
When a person makes a claim using their own uninsured/underinsured motorist coverage, their insurance company essentially steps in as the insurance company for the uninsured/underinsured driver who caused the accident. This means their own insurance company will need to determine fault for the accident and determine if the uninsured driver is responsible for causing the accident and the person’s damages.
It is important that the victims of the accidents receive the compensation they both need and deserve after the accident. Unfortunately, they may not receive it from the other driver if they have inadequate insurance coverage.
