UNINSURED DRIVERS AND MY INSURANCE POLICY

Morris County, NJ Car Accident Lawyers Discuss

New Jersey auto insurance policies and laws can be extremely confusing. Choosing the right policy for you requires careful thought and consideration, something that we don't always have time for. This means that we may not always be as protected as we would like to be in the event of a car accident.

Basic Car Insurance Policies

Even though drivers are required to protect themselves, they are not required to have liability insurance, which would protect the people they may harm in the event of an accident. Many drivers choose low-cost Basic auto insurance policies. These Basic policies pay for property damage and personal injury protection (PIP), but do not cover damages such as pain and suffering and lost wages, which can be quite substantial in the event of a serious accident.

Between the existence of Basic Policies and the possibility of people driving without insurance, it is very possible that in the event of an accident, you will need to seek compensation for your personal injury claim from sources other than the negligent driver's own insurance company.

What are my options if I am involved in an accident with an uninsured or under-insured driver?

When you are involved in a car accident with an uninsured/under-insured driver, there are several options available to you. One remedy is if the at-fault driver was operating a vehicle insured by another party, to file a claim with that third-party's insurance. However, a better option is to file a claim with your own insurer under your own policy's Uninsured Motorist coverage.

While this may be a better avenue for pursuing fair compensation for your injuries, it pits you against your own insurance company. It is very important that you have experienced personal injury representation when filing a claim with your own insurance company, as they will be seeking to reduce their own costs as much as possible.

If you have a Standard car insurance policy, you probably have "unlimited right to sue". This will allow you to claim "pain and suffering" damages, which greatly increases what you can expect to recover. Accordingly, it will also make your claim more contentious with your insurer.

You will also wish to seek compensation for economic damages such as medical expenses and lost income. These damages may exceed the limits of your policy, in which case you must get a judgement from the court to compel the at-fault driver to compensate you for your injuries. In any case, having an experienced Morris County auto-accident lawyer will greatly increase your chances of recovering a fair settlement for your injuries.

Contact a Morris County Car Accident Lawyer Today

Robert A. Smith of Smith & Doran is a Certified Civil Trial Attorney. This means that he specializes in civil court cases, including accident and injury cases of any kind. It is an accolade given by the New Jersey Supreme Court to only 2% of the active lawyers in the state. His fellow lawyers have also accorded him the highest possible Martindale Hubbel rating of AVĀ® Preeminent in recognition of his excellent legal knowledge, communication skills, and ethical standards. Bob Smith prides himself on providing personal but professional legal counsel, and he believes open and honest communication with his clients is the key to building a long-lasting partnership based on trust.

If you or a loved one has been injured in a car accident, contact the Morristown Law Offices of Smith & Doran today to schedule a cost-free consultation.

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The Law Offices of Smith & Doran, P.C.
60 Washington Street, Suite 302
Morristown, NJ 07960

Phone: 973-532-2661
Fax: 973-292-9168
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