New Jersey Uninsured & Underinsured Motorist Claims Lawyers
Representing & Helping Clients in Toms River, Edison, Brick, Freehold & Throughout NJ
Many motor vehicle accident injury cases in New Jersey involve uninsured motorist or underinsured motorist (UM/UIM) claims. UM/UIM coverage is insurance you purchase as protection against other drivers who are either uninsured or do not have enough insurance to pay for your damages.
At the law firm of Lombardi and Lombardi, P.A., we offer a free consultation to answer your questions about UM/UIM coverage. Call to speak to an experienced attorney. We serve clients in Middlesex County and throughout New Jersey.
Handling UM & UIM Claims in New Jersey
In New Jersey, drivers are required to carry a minimum of liability insurance of 15/30/5 ($15,000 per person for bodily injury in an accident, $30,000 for all victims of a single accident and $5,000 for property damage in an accident). Due to difficult economic times, an increased number of drivers carry only the minimum amount of liability coverage required by law.
If you are injured in an accident, $15,000 will not go far in covering your damages. For this reason, every driver should carry UM/UIM coverage. Insurance companies in New Jersey are required to offer you UM/UIM coverage at least equal to the liability insurance you carry on your own vehicle.
Underinsured motorist insurance claims can take a long time to resolve since you need to resolve the underlying claim against the at-fault party’s insurance company first. You should contact a lawyer to help you resolve both your at-fault claim and your claim against the at-fault driver. If you make a mistake (for example, resolve the at-fault claim without permission from your UM/UIM carrier), your insurance company could deny your UM/UIM claim.
Resolving UM/UIM Coverage Disputes
Most UM/UIM policies use nonbinding arbitration to resolve disputes. In these cases, there will be one arbitrator representing the plaintiff (you), one representing the defendant (the insurance company) and one neutral arbitrator. If all three arbitrators agree, the case will settle for the agreed amount. If any arbitrator dissents, either side has a right to a jury trial.
Contact the Edison UM/UIM Claims Lawyers of Lombardi and Lombardi, P.A.
If you have a question about your insurance coverage after an accident, call our New Jersey uninsured and underinsured motorist claims attorneys today or simply contact us online. We offer weekend and evening appointments and can travel to meet with you if you are recovering in a hospital or at home.