Getting Into a Car Accident With an Uninsured Driver

You are driving along on the highway when suddenly you are rear-ended. You injure your neck. The injury is severe enough that you are taken to the hospital to get an x-ray. At the hospital, you are informed that the other driver does not have insurance. What happens next?

In New Jersey, every car insurance policy must provide uninsured and underinsured motorist coverage. What these options mean is your own insurance may pay for the damages if the accident was caused by the following reasons:

• The person did not have liability insurance at the time of the accident
• The person has liability insurance but their insurance carrier is denying coverage
• The person doesn’t have enough insurance to pay for the damages in full

Coverage can range from $100,000 to $250,000 per person. However, this filing this type of claim can become a very complicated situation. In addition, you are eligible to file a personal injury claim against the uninsured driver, even if you were the one who was at fault. If you were in an accident with an uninsured driver, make sure you contact us so we can get what you deserve.

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