If you’re involved in a car accident in New Jersey and the at-fault driver lacks insurance, your uninsured motorist (UM) coverage steps in to help cover your losses. This protection is part of your auto insurance policy and ensures you’re not left paying out of pocket for someone else’s negligence.
What uninsured motorist coverage includes
In New Jersey, UM coverage is mandatory for all standard auto insurance policies. It typically covers:
- Medical expenses for injuries you or your passengers sustain
- Lost wages if injuries prevent you from working
- Pain and suffering damages
- Property damage, in some cases
This coverage applies when the other driver has no insurance or in hit-and-run situations where the driver cannot be identified.
Limits and policy considerations
Your UM coverage limits usually match your liability coverage limits. For example, if your policy provides $100,000 in liability coverage, you’ll have up to $100,000 in UM coverage. However, you cannot “stack” UM coverage from multiple vehicles or policies to increase your payout. The maximum you can recover is limited to the highest single policy limit available to you.
Filing a claim under UM coverage
If you’re in an accident with an uninsured driver, notify your insurance company promptly. They may require documentation, such as a police report or proof that the other driver lacks insurance. Your insurer will then evaluate your claim and determine the compensation you’re entitled to under your UM coverage.
Importance of UM coverage
Having UM coverage provides a safety net, ensuring you’re protected financially if you’re injured by an uninsured or hit-and-run driver. Review your policy to understand your coverage limits and consider increasing them if necessary to ensure adequate protection.