Essex County Uninsured Motorist Accident Attorneys
Accident Involving an Uninsured or Underinsured Motorist?
New Jersey laws require that all registered vehicles driven in New Jersey must carry minimum liability insurance of $15,000 for the injuries or death of one person, $30,000 for injuries to or death of more than one person, and $5,000 for damage to property resulting from a motor vehicle accident. But, what happens when an accident is caused by a driver with no insurance?
Our Hudson and Essex County uninsured motorist accident lawyers at Greenberg Minasian, LLC, can help you review your options and pursue the full compensation to which you may be entitled. Call 973-325-7711, or contact us online to arrange your free no-obligation consultation.
More importantly, New Jersey now allows for basic and special policies to be sold and this can cause confusion regarding how to properly insure yourself. To learn more, we encourage you to read our automobile insurance buyer’s guide as well as contact our personal injury attorneys regarding coverage options or how much you may be able to recover if you have been seriously injured in a motor vehicle accident.
Pursuing Justice, Accountability and Compensation
Pursuant to New Jersey no-insurance laws, drivers without insurance face mandatory penalties for driving without insurance, including one-year license suspension, a fine of $300, insurance surcharges of $250 per year for three years and community service.
While these consequences penalize the uninsured driver, they do not provide protection to victims who are injured in an accident with the uninsured driver. There are options for victims of accidents involving uninsured or underinsured drivers, including uninsured and underinsured motorist cases arising from:
- Car accidents
- Motorcycle accidents
- Truck accidents
- Pedestrian and bicycle accidents
- Drunk driving accidents
- Hit-and-run accidents
- Other traffic accidents involving uninsured or underinsured drivers
Essex and Hudson County Lawyers: Underinsured Coverage, Underinsured Coverage and PLIGA Claims
After an automobile accident involving an uninsured or underinsured motorist, there are often numerous legal complexities to navigate in order to obtain full compensation for injuries, medical bills, lost wages and other damages for which the injured person or surviving family members are entitled. We can guide you through the process and help you pursue the compensation you deserve.
- Uninsured and Underinsured Motorist (UM/UIM) claims: When you are involved in an accident caused by a driver with no insurance or with inadequate insurance coverage, you may be eligible to receive supplementary compensation (up to policy limits) through a claim against your own UM/UIM policy. Uninsured and underinsured motorist coverage can protect you, your spouse, your children and certain other relatives residing in your household in the event of an uninsured or underinsured motorist accident. Our experienced car accident attorneys can examine the insurance coverage available to determine all of your options for pursuing compensation following an accident.
- PLIGA claims: New Jersey Property-Liability Insurance Guaranty Association (PLIGA) is a quasi-state agency established to provide a safety net when there is inadequate private insurance available to compensate people injured in traffic accidents. PLIGA offers additional protection to individuals injured in a hit-and-run accident or accident caused by an uninsured motorist. Prior to 2003, coverage for excess medical benefits and personal injury protection was provided through the Unsatisfied Claim and Judgment Fund (UCJF) when no other liability protection was available. Now the administration of the UCJF is run by PLIGA. If you have been injured in a hit-and-run accident or uninsured motorist accident in New Jersey, you may be eligible for compensation for your medical expenses and lost wages through a claim under PLIGA.
First Consultation Always Free — Never a Fee Unless We Win
Other attorneys throughout New Jersey recognize Greenberg Minasian, LLC, for our effective handling of PLIGA claims and UM/UIM claims on behalf of clients injured in accidents involving uninsured and underinsured motorists. One of our experienced New Jersey car accident lawyers formerly served with PLIGA, giving him an in-depth understanding of ways to maximize benefits through PLIGA claims.
For advice on how to be qualified for a PLIGA claim and representation to navigate the complex PLIGA regulations, or for assistance pursuing compensation through a UM or UIM claim, call us at 973-325-7711 to schedule a free consultation with an experienced Essex County personal injury attorney.
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We represent clients in West Orange, South Orange, East Orange, Orange, Newark, Livingston, Verona, Bloomfield, Montclair, Millburn, and throughout Essex County.
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