Learning that you were involved in a collision with an uninsured driver can be disheartening. You might be confused about your legal rights and options to cover your medical bills, lost wages, and car repairs. An experienced Cherry Hill uninsured and underinsured attorney from Aronberg, Kouser, Snyder & Lindemann, P.A. can guide you through the legal process and protect your legal rights. Call our Cherry Hill car accident lawyers today for a free consultation.
Why Choose Us at Aronberg, Kouser, Snyder & Lindemann, P.A.?
Even if you are filing a first-party claim with your own insurance provider, you will likely find that the insurance company treats you as an enemy despite your good track record of paying your premiums. You might get frustrated with this process, but an experienced lawyer from our personal injury law firm can help.
The compassionate legal team at Aronberg, Kouser, Snyder, & Lindemann, P.A. has provided legal assistance and guidance to injury victims for decades. We advocate for our clients and handle every aspect of their claims while they focus on their recovery. We can communicate with the insurance company on your behalf, review all available insurance policies, and fight for the fair compensation you deserve.
You can learn more about your legal rights and options when you call for a free case review.
Mandatory Auto Insurance Coverage in New Jersey
New Jersey’s car insurance laws are more complicated than those of many other states. First, the state operates under a no-fault insurance system, so drivers turn to their own car insurance for coverage of medical expenses and lost wages first, even if someone else was responsible for the crash.
Next, the state offers a “basic” policy that limits the amount of insurance that drivers must maintain, which only provides for property damage liability coverage of $5,000 and no bodily injury liability coverage. Standard policies include bodily injury liability insurance of a minimum of $25,000 per person, $50,000 per accident, up to $250,000 per person, $500,000 per accident for an extra cost.
Those with standard policies select whether they want a limited right to sue or an unlimited right to sue if someone else is found at fault for the accident. A limited right to sue only allows car accident victims to sue the at-fault driver if they suffered a significant injury, such as a displaced bone fracture, the loss of a body part, a permanent injury, permanent scarring or disfigurement, or the loss of a fetus. With an unlimited right to sue, there is no applicable injury threshold.
All drivers must maintain Personal Injury Protection (PIP) insurance coverage, which helps pay for their medical expenses and lost wages regardless of fault.
Insured individuals can add uninsured/underinsured motorist coverage to help pay for bodily injury and property damage if someone with no or insufficient insurance coverage injures them. The amount of coverage is equal to the insured’s liability coverage.
How Long Do I Have to File an Uninsured and Underinsured Accident Claim in New Jersey?
New Jersey’s statute of limitations, codified at N.J.S.A. § 2A:14-2, gives accident victims two years to file a lawsuit against the at-fault party. However, if you need to make a claim with your own insurance provider, you must do so within the time provided in your policy.
Contact Our Cherry Hill Uninsured and Underinsured Attorneys Today
Filing an insurance claim after a car crash can be difficult, but it’s inevitably more complicated when an uninsured or underinsured driver is involved. An experienced Cherry Hill uninsured and underinsured attorney from Aronberg, Kouser, Snyder & Lindemann, P.A. can manage your claim and fight back against any wrongful denials. Call us today for a free consultation.
