Gloucester County Uninsured/Underinsured Motorist Accident LawyerRequest a Free Consultation
Car accidents are some of the most common sources of personal injuries in New Jersey. In many car accidents, there is little doubt as to which driver is at fault. That at-fault driver may have a solid insurance policy that covers injuries to other people and the injured plaintiffs make a claim against that policy.
Unfortunately, New Jersey law does not require drivers to obtain this sort of insurance. While all drivers must have some type of insurance, these policies do not need to cover damages inflicted upon other people. Because of this, many plaintiffs in car accident cases must pursue compensation through other avenues.
A Gloucester County uninsured/underinsured motorist accident lawyer could help. Call one of our dedicated car accident attorneys who could consider creative solutions to help you get the compensation you need.
Available Insurance Policies in Gloucester County
The majority of car accident cases end with settlements offered by insurance companies. However, this only applies if the insurance policy covers the type of injuries sustained in the accident. New Jersey law allows companies to sell basic policies that only provide protection in the case of property damage or injury to the policyholder. Because of this, some accidents may occur where the at-fault driver’s policy will not pay for injuries inflicted upon others.
Some insurance policies provide protection for injuries inflicted by uninsured or underinsured motorists. This means that when an at-fault driver does not have insurance or his or her insurance is inadequate to pay for the damage he or she inflicted, the injured individual can claim compensation from his or her own company.
Taking an Uninsured/Underinsured Driver to Court
In some rare situations, filing a civil court case against the defendant may be the only way to collect compensation. Because insurance policies are not required to cover injuries to other drivers and the injured person’s policy may not provide protection from uninsured or underinsured motorists, a plaintiff may be left without any other option.
The most important thing to remember about taking a case to court is the time limit imposed on all plaintiffs. According to New Jersey Statute 2A:14-2 (a), all claims alleging personal injury must be in court within two years of the date of the injury. A seasoned personal injury lawyer could help you file a claim within the statute of limitations.
To recover compensation, you must be able to prove that the defendant was negligent and that this negligence led to a physical injury. Evidence of negligence can include a failure to stop at a red light, speeding, or texting while driving. A Gloucester County uninsured/underinsured motorist accident lawyer could lead the way in gathering this evidence, framing it within the applicable laws, and pursuing lawsuits in New Jersey courts.
A Gloucester County Uninsured/Underinsured Motorist Accident Attorney Could Help
Since New Jersey’s insurance requirements are minimal, if you are involved in an accident, the at-fault driver may not have a policy that provides payments for the compensation you deserve. When this happens, you have two options.
You may file a claim with your own insurance policy. However, this only applies if your own policy includes uninsured or underinsured protections. The other choice is to sue the at-fault driver directly in a New Jersey civil court. A Gloucester Counter uninsured/underinsured motorist accident lawyer could work with you to analyze your case and pursue the claim. To schedule a consultation, call today.