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Uninsured & Underinsured Drivers
Bhatt Law Group has knowledgeable New Jersey personal injury attorneys with decades of combined experience in car accident claims, including those involving uninsured and underinsured drivers. Contact Bhatt Law Group for a free initial consultation
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We proudly represent injured clients throughout New Jersey
The process of making a claim with your own insurance company is different than filing a claim against someone else’s insurance. Your insurance company’s goal will be to quickly and cheaply settle the claim. You need an experienced Jersey City car injury lawyer on your side to make sure you receive the maximum compensation possible for your injuries.
Uninsured and Underinsured Coverage Requirements in New Jersey
According to the Insurance Information Institute, more than 10 percent of drivers in New Jersey are uninsured motorists. Therefore, it is no surprise that standard insurance policies in New Jersey are required to provide a minimum amount of coverage for uninsured and underinsured motorists. This includes:
- Property damage protection of at least $5,000 per accident. This insurance coverage does not include the costs of repairing your vehicle.
- Bodily injury liability benefits of at least $15,000 per person for up to $30,000 per accident.
Additionally, the law requires insurance companies to offer additional uninsured and underinsured motorist coverage in standard policies up to the following limits:
- $250,000 for each person and $500,000 for each accident for bodily injuries
- $100,000 each accident for property damage or up to $500,000
Filing Uninsured and Underinsured Motorist Claims
Uninsured and underinsured motorist coverage is intended for accidents when the party at fault has no insurance or has insufficient insurance to cover all liabilities. Additionally, this coverage applies if you were in an accident with a stolen vehicle or were involved in a hit and run crash.
Under New Jersey comparative negligence law, you must prove that the other driver was more at fault than you for the accident in order to collect uninsured or underinsured motorist insurance benefits.
Additionally, your insurance company will try to reduce your compensation according to the percentage it considers you to be at fault for the crash. Although you will be working with your own insurance company, it operates much like that of the responsible party. It is not focused on your best interests, but rather on how to settle a claim quickly and for the least amount of money possible.
Call a Jersey City Car Accident Attorney Today
The process of filing an uninsured or underinsured motorist claim is complicated. You must gather evidence and prove to your own insurance company that you deserve compensation for losses that exceed those that have already been covered. Your insurance company will likely engage in efforts to minimize your claims.
If you’ve been in a Jersey City car accident and someone else is at fault, you reasonably expect that the person has insurance coverage that will pay for your losses. However, this isn’t always the case, particularly when it comes to uninsured and underinsured drivers. When the person responsible does not have insurance or does not have enough insurance to cover your losses, you may end making a claim against your own insurance company.
You do not have to face insurance companies alone. Bhatt Law Group has been helping people in New Jersey since 2006, and with our collective years of experience in New Jersey personal injury, we can help you file a claim with your insurance company and prove that you are entitled to compensation.
Call Bhatt Law Group today at (201) 798-8000 for a free consultation. We will deal with the legal issues while you focus on recovery.
Recent Settlements
$2,300,000 Settlement
Our client’s car was t-boned by a commercial vehicle. As a result, she required multiple lumbar spine surgeries. Bhatt Law Group immediately filed a lawsuit and retained experts. Prior to trial and after several depositions, we were able to obtain a settlement on behalf of our client.
$2,000,000 Settlement
Our client’s vehicle rolled over several times after being side-swiped by an 18 wheeler. This resulted in significant injuries to his neck and back. Client was unable to return to work because of his injuries. The insurance company contested the liability but after filing suit, serving discovery, and taking depositions, Bhatt Law Group was able to settle this case.
$1,750,000 Settlement
Our client was struck by a car that was attempting to make an illegal u-turn. This resulted in significant damage to our client’s car and he was taken to the hospital by ambulance. Our client required both back and knee surgery and physical therapy.
$1,300,000 Settlement
Our client was injured in a motor vehicle accident. As a result of the accident, our client sustained injuries to her spine.
$950,000 Settlement
Our client was injured when she was struck by a motor vehicle when crossing the street. As a result of the accident, our client sustained a fractured leg and injuries to her back. This was a difficult liability case but the settlement was obtained as a result of strong settlement negotiations.
$825,000 Settlement
Our client was injured when he slipped and fell on ice. As a result of the accident, our client sustained a broken ankle.
$375,000 Settlement
Our client was injured when he was rear-ended by a commercial vehicle in Jersey City. The liability insurance carrier argued low impact with minimal property damage and our client’s age to minimize the extent of his damages. As a result of the accident, our client sustained injuries to his neck and back resulting in multiple injections including a two level lumbar fusion and discectomy surgery. This settlement was the result of strategic preparation and strong settlement negotiations.
$100,000 Settlement
Our client was injured when she was involved in a motor vehicle accident in Maplewood. The claim had its complexities due to the claimant’s ongoing health issues, prior accident history and age. As a result of the subject accident, our client sustained an aggravation of injuries to her neck, back and right shoulder resulting in a one level discectomy with instrumentation. The bodily insurance carrier tendered its insured’s policy limits prior to the two year statute of limitations and without extensive litigation.
$75,000 Settlement
Multi-motor vehicle accident involving our client who suffered back injuries requiring injections.
* Results may vary depending on your particular facts and legal circumstances.
Your Personal Injury Team
When someone’s negligence causes you or a loved one serious injury, you deserve justice. Our team of personal injury lawyers at Bhatt Law Group is here to help you obtain the maximum available compensation for your medical costs, lost income, and other losses. We’re dedicated to fighting for the rights of injured people throughout New Jersey.
Your Criminal Defense Team
When you’ve been charged with a crime or a traffic offense in New Jersey, you need a dedicated team of lawyers who will fight your charge aggressively. At Bhatt Law Group, our criminal defense team is made up of skilled and experienced trial attorneys, including a former prosecutor, who will work hard to get you the best possible outcome for your case.
Your Family Law Team
Domestic matters can be incredibly complicated and emotional. Our team of New Jersey family lawyers at Bhatt Law Group are dedicated to protecting your best interests in family law matters, from divorce to custody disputes to DYFS investigations. Let us help you through this challenging time in your life.
Our attorneys have been recognized by some of the most prestigious legal organizations.
No aspect of this advertisement has been approved by the Supreme Court. To read the standard by which Thomson Reuters, AVVO, Lead Counsel, National Academy of Personal Injury Attorneys, and National Association of Distinguished Counsel provides accolades, please visit bhattlawgroup.com/accolades.
Client Stories
Renee
Bhatt Law Group Client
Renee was involved in a T-bone accident. Hear how Bhatt Law Group was able to go above and beyond to help Renee after her accident.
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Drupaj
Drupaj was involved in a rear end car accident. Hear how Bhatt Law Group was able to help Drupaj and was by his side through the entire process.
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Jocelyn
Jocelyn was involved in a rear end car accident. Hear how Bhatt Law Group was able to help Jocelyn through her trauma.
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Tatyana
Tatyana was involved in a rear end car accident. Hear how Bhatt Law Group was able to help Tatyana and exceeded her expectations.
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Stephanie
Stephanie was involved in a rear end car accident. Hear how Bhatt Law Group was able to help Stephanie by exceeding her expectations.
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