Understanding UM and UIM Coverage
Navigating UM/UIM claims against insurance companies can be complex. Our experienced personal injury trial lawyers fight to ensure you get full compensation for your injuries.
👉 New Jersey Car Accident Lawyers | Explore Personal Injury Practice
What is UM and UIM Insurance Coverage?
Have you ever wondered if you have enough auto insurance to protect yourself and your family? Understanding UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage is essential for every New Jersey driver.
- Uninsured Motorist (UM) Coverage: Protects you, your passengers, and your household family members if you are injured by a driver who carries no auto insurance at all or is involved in a hit-and-run accident.
- Underinsured Motorist (UIM) Coverage: Steps in when the driver who hit you has insurance, but their policy limits are too low to fully cover your medical bills, lost wages, and pain and suffering.
Why New Jersey Minimum Coverage Is Often Not Enough
If someone injures you in a car crash, you typically make a claim against their liability policy. However, state minimum policy limits in New Jersey are often quickly exhausted in serious accidents. Imagine sustaining severe injuries, undergoing surgery, or losing your ability to work—minimum liability limits will fall drastically short of covering your financial needs.
By purchasing robust UM/UIM coverage on your own insurance policy, you create a financial safety net for yourself. If the at-fault driver lacks adequate insurance, your own policy pays out up to the UM/UIM limit you selected.
Recommended UM/UIM Policy Limits
It is vital to plan ahead: you cannot add or increase UM/UIM coverage after an accident occurs.
We strongly recommend carrying at least $100,000 to $250,000+ in UM/UIM coverage on your vehicle policy to ensure adequate financial protection in the event of a catastrophic crash.
We hope you never need to rely on it, but having strong UM/UIM limits brings true peace of mind on the road. Stay protected out there.
Contact Our New Jersey Car Accident Lawyers
If you or a loved one were hurt in an accident involving an uninsured or underinsured driver, our legal team is here to help review your policy and maximize your claim. Contact Helmer, Conley & Kasselman online or call us today at 877-435-6371 for a free consultation.