So what do you do if you get struck by another driver and then you get the bad news either from the police report that they have no insurance? Obviously nobody in their right mind would consider driving a car around without proper insurance but that\’s exactly what millions of people do every single day. Now there are two basic situations you might find yourself in when it comes to dealing with either uninsured (a person having absolutely no insurance cover) or underinsured drivers (a person who has inadequate insurance cover).
Residents of New Jersey your insurance policy will almost certainly have cover for these types of situations – it\’s usually referred to as UM Coverage or simply Uninsured Motorist Cover. Unfortunately the reckless driving you see on the roads has forced most Jersey-based insurance companies to build this type of cover into your policy but at least you\’ll have the peace of mind of knowing that if you do wind up in a fender bender with somebody then you\’re not going to have to deal with the costs of any potential injuries to yourself or damage to your car.
The way that Uninsured Motorist Cover (UMC) works is that you can actually bring a contractual claim against your own insurance company, who then basically take the place of the uninsured or underinsured driver who struck you. Obviously this means that your own insurance company would be paying your injury compensation or damages but that\’s the whole idea of UMC in the first place. Some people panic when they hear they\’ll have to claim against their own insurance company, assuming that it will increase their insurance premiums or rates but that won\’t happen as long as the accident was not your fault.
So if you\’ve been the victim of a fender bender or a hit-and-run accident in The Garden State then you can rest that bit easier now knowing that with UM cover you\’re not going to be facing an uphill battle to in obtaining compensation for your pain and suffering if the responsible party had no coverage.