4 Reasons You Need to Have Uninsured Motorist Coverage

Being involved in a car accident is an emotionally overwhelming experience. It is bad enough that another driver struck your vehicle, but to make matters worse, what if he or she doesn’t have auto insurance?

Although the collision wasn’t your fault, victims of uninsured motorist accidents often have to pay for their medical bills and property damage out of pocket. Fortunately, New Jersey auto insurance offers uninsured motorist coverage which will pay for your injuries and even damage to your vehicle.

The following are the four benefits of having uninsured motorist coverage:

  1. It’s not that costly. Adding uninsured motorist coverage to your car insurance policy may be relatively inexpensive, especially when you consider the protection it offers, which could include covering your medical bills, lost earnings, the cost of fixing or replacing your car, as well as damages for pain and suffering.
  2. Your passengers are also protected. If you do not have uninsured motorist coverage and your passengers suffer injuries, they are on their own—which means that the medical costs are all on you.
  3. You are protected from hit-and-run accidents. If the at-fault driver flees the scene after causing the accident without obtaining their contact and insurance information, uninsured motorist coverage can still pay for your injuries.
  4. You are protected against those with inadequate insurance. If you get involved in a crash with someone who has insurance, but their coverage is severely limited, uninsured motorist coverage also protects you against underinsured motorists. Your uninsured motorist coverage can make up the gap between what the other driver can offer and what they cannot provide.

If you suffered an injury in a collision caused by a negligent party in New Jersey, contact our Woodbridge personal injury lawyer at Palmisano & Goodman, P.A. and request a free consultation today.

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