It is not enough to know who caused an accident when you prepare to seek compensation for your injuries. Sometimes it is perfectly clear that another driver caused a crash, but if that driver does not have insurance — or enough insurance, it will be difficult or impossible to collect compensation. Unfortunately, many drivers on our New Jersey highways do not carry auto insurance or carry only minimal amounts. In the case of a catastrophic injury, low levels of auto insurance will not come close to paying the bills.
There is hope, however, if you carry healthy levels of uninsured/underinsured (UM/UIM) motorist coverage through your own car insurance. Even when those resources are there, however, you very likely need an experienced personal injury lawyer to be assured that you receive all available compensation. Subtleties in insurance policies and laws can leave you with challenges as you try to tap into the UM/UIM coverage that you are entitled to. For example, your insurer is likely to require you to file a lawsuit against the other driver and only after he or she is shown to have insufficient insurance will you be able to collect UM/UIM benefits. Going after all the benefits you are entitled to under your UM/UIM insurance is a job for an experienced, knowledgeable NJ car accident lawyer.
From offices in Edison, Red Bank and Toms River, our lawyers advise and represent clients in personal injury and wrongful death litigation matters throughout New Jersey, including UM/UIM cases. If you are unable to come to our office, we can come to you in your hospital room or at home. Get the answers and reassurance you need as you cope with the harsh financial realities of your accidental injury resulting from a traffic accident caused by an uninsured or underinsured driver. From anywhere in New Jersey, call our office at 732-777-0100 or contact us online to arrange a free consultation with an experienced New Jersey car accident lawyer.