New Jersey Uninsured Motorist Claims
Have a UM Claim? Call Our Accident Attorneys!
If you have been injured in an accident involving a driver who doesn’t have insurance, you don’t have the option to file a claim against their insurance claim. That doesn’t mean you are out of options, however! In the state of New Jersey, drivers can obtain Uninsured Motorist coverage and file a UM claim with their own provider. If you have UM coverage and want to make sure you are given proper compensation under your policy, talk with Levinson Axelrod, P.A.
With 75+ years of experience and insight, we can make sure you are given the maximum financial recovery you deserve following your accident. Our New Jersey vehicle accident lawyers are more than prepared to assist with your case!
Tell us about your accident in a free case evaluation today.
When Can I File a UM Claim?
Just like any other accident, you can only obtain benefits from an Uninsured Motorist claim when you can prove that the uninsured driver is truly at fault. Since your insurance company will essentially be standing in the shoes of the other driver, you must be able to present evidence that the uninsured driver is liable.
It is important to keep the following in mind:
- You will likely have to pay a $500 deductible for any property damage claims.
- Your claim will only be paid if the other driver was legally responsible for damages.
- You can only collect damages if your degree of liability is less than the other driver’s.
The last statement is most impactful for your case. Under New Jersey’s Comparative Negligence law, your degree of liability must not exceed that of the other driver’s in the accident in order for you to collect any damages. That means if you are partially at fault, you should make sure you demonstrate that the other driver carried more of the fault. Having an advocate who knows how to do this through the law is crucial.
Get Reliable Legal Representation During This Time
No matter the details of your accident, having a New Jersey car accident attorney guide you through this process is crucial. A lawyer can ensure your claim is handled correctly by your insurance company and that you are given the fair damages you are owed. They can also help you demonstrate the other driver’s fault so that you don’t have any complications with your insurance company. Remember, even though you are the policyholder, the insurance company is always focused on their bottom line. Their goal is to minimize the amount of damages they dish out, which means you need an advocate who is on your side.
Levinson Axelrod, P.A. is ready to discuss your case. You can contact us today at (732) 440-3089.