Uninsured/Underinsured Motorists And Your Accident Claim

An estimated one out of 10 New Jersey drivers either don't have auto insurance, or have a policy that does not provide adequate liability coverage in the event of an accident. That's what uninsured/underinsured motorist protection (UM/UIM) is all about. It covers expenses you incurred because of an accident with an uninsured or underinsured driver. Unfortunately, insurance companies are notorious for fighting to keep every penny, this is where an underinsured/uninsured claims attorney can help you get what you paid for.

At Smith & Gaynor, LLC, we represent your interests when your own insurance company doesn't. We understand the stakes involved with your injury, and we are ready to provide personal and effective legal representation. We know how to fight for your future while at the same time always maintaining an open line of communication. The lawyer you hire is the lawyer you get, every step of the way.

What Is Uninsured Motorist Coverage?

If you have a standard policy, your own insurance covers you in the event of an auto accident with an uninsured driver. Every car owner in New Jersey is required to have automobile insurance. But in this tough economy, when people are making choices between paying the mortgage and paying insurance premiums, the car insurance may be cut from their budget.

Uninsured motorists are breaking the law. If they injure you, there's a good chance they don't have the assets to cover your expenses. That's why your own uninsured motorist coverage should take care of your:

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Property damage

The extent to which these expenses are covered depends on the level of coverage you elected. If you are worried that you may not have enough UIM coverage, it's a good idea to talk to your agent. Uninsured motorist coverage also takes care of you in the event of a hit-and-run accident.

What Is Underinsured Motorist Coverage?

An underinsured motorist has the bare minimum of liability coverage (a basic plan). If you suffer severe injuries that will require costly medical care, your UIM coverage is supposed to cover the difference. As with UM, you should be covered for medical bills, lost wages, damage to your property, and pain and suffering.

However, being covered for something and receiving the proper amount from the insurance company is always two different things. In the event of an injury caused by an accident with an underinsured driver, it is highly recommended that you retain experienced personal injury counsel.

Contact an Uninsured and Underinsured Motorist Claims Attorney Today

Our Morristown auto accident lawyers have represented clients throughout New Jersey since 1996. With close proximity to I-287, I-80, Rt 24, and Rt 202, Smith & Gaynor, LLC, has extensive experience representing clients involved in car, truck, and motorcycle accidents of all kinds.

We understand the stakes involved with your injury, and we are ready to provide personal and effective legal representation. We know how to fight for your future while at the same time always maintaining an open line of communication.

If you or a loved one has been injured in a car accident involving an uninsured driver, or an underinsured driver, please contact us online or through our Morristown offices at 973-532-2661 today to schedule a cost-free consultation and discuss your case.

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