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Even though New Jersey requires that every driver carry minimum car insurance on his or her vehicle, it is not uncommon for drivers to take to the roads and highways without it. When an auto accident happens, the injuries, lost time at work, and vehicle damage can put the victim out of commission for a long time. After a crash, those involved can become easily confused about how to seek compensation, unsure about who they should call or where to turn.
This is where a Haddonfield uninsured car insurance lawyer could help. One of our experienced auto collision attorneys could make a substantial difference in your claim for compensation from the at-fault party or parties.
New Jersey Insurance Laws
In addition to basic liability requirements, state law also dictates that a driver’s insurance policy also has uninsured motorist coverage. These policies are meant to cover hospital bills, future medical treatment, vehicle repairs, lost wages, and loss of future income if a person suffers a permanent disability in the crash. The minimum amounts required by law are:
- $15,000 for any injuries suffered by one person
- $30,000 for any injuries suffered by multiple people
- $5,000 for property damage caused in the accident
New Jersey is known as a no-fault insurance state, which means that an injured motorist must file a claim through his or her own insurance policy to seek compensation after a car crash. However, if her or she does not have uninsured motorist coverage or their policy limits do not cover the full amount of his or her damages, then he or she should call an attorney and consider the legal options.
Comparative Negligence and Uninsured Motorist Coverage
An important aspect of uninsured motorist coverage is the legal theory of comparative negligence. Under this theory, injured parties may have their compensation reduced by their assigned percentage of fault for the accident. However, if a plaintiff’s percentage is more than 50, he or she would be barred from recovering any damages.
The same is true for uninsured motorist coverage. If the person seeking compensation is more than half responsible for the accident, his or her insurance company can deny that claim. An attorney who is well-versed in uninsured motorist claims may be able to help gather the right evidence to lower the fault percentage the insurance company is claiming and put pressure on the company to deal with this issue and other policy hang ups.
Personal Injury After an Uninsured Motorist Crash
If a claimant’s insurance policy does not cover all of the losses he or she suffered in an auto accident, the next step is to contact a Haddonfield attorney who has experience in dealing with collisions caused by uninsured drivers. It may be possible to pursue a personal injury action against the at-fault driver, depending on the circumstances of the accident.
Seek Legal Help for your Auto Accident Recovery
If you were injured in a car crash by a driver without insurance coverage, an experienced Haddonfield uninsured car accident lawyer could help. Our team could assess your case and plan an effective legal strategy to get you the fair and just compensation you deserve for your losses. We could be your advocate in dealing with the insurance companies to get you as much as possible for you claim and help you pursue other legal actions if you are being treated unfairly. Call us today.