FREE CONSULTATIONS 856.983.8695

NJ Car Accident Lawsuit Shows the Importance of Underinsured Motorist (UIM) Coverage

Philip Ciprietti, NJ Car & Truck Accident Lawyer

Philip Ciprietti offers clients a genuine interest in their well-being and success and places clients’ interests first in all matters. Since 1982, Mr. Ciprietti has been certified by the NJ Supreme Court as a Certified Civil Trial Attorney.

Review: "His commitment and his willingness to go the extra mile, to fight hard for you make Phil an outstanding attorney. He is the one you want on your side." Read more testimonials.

I represented a woman in her 50’s who was involved in a multi-vehicle accident on Route 73 in Marlton, NJ. She was traveling through a green light at an intersection on Route 73, when a car went through a red light, hit another vehicle, which then hit my client’s car head-on.

As a result of the accident, she sustained serious injuries.  She fractured her foot and required multiple surgical procedures.  The surgeries required placing hardware in her foot, specifically, multiple pins and a rod were placed in her foot.  In addition, she also had a head injury.

My client worked as a publisher/proofreader, which required extensive concentration and focus.  However, because of her head injury, she could not concentrate.  She suffered from post-concussive symptoms that interfered with her work.  She could not concentrate and would often get headaches after she tried to work.

In addition to not being able to work, her daily life was significantly affected.  She could no longer perform daily chores, such as cleaning the house and standing for a long period of time to do other house chores such as cooking.  In addition, because she needed multiple surgeries on her foot, she could not attend her son’s graduation.

These are significant injuries she sustained, and the type and amount of coverage she bought on her car insurance policy helped her obtain financial recovery for her losses.

I have always talked about the importance of underinsured motorist (UIM) coverage in a NJ driver’s car insurance policy.  See: NJ Car and Truck Accident Lawyer Talks About When to File an Uninsured/Underinsured (UM/UIM) Motorist Claim in a Car or Truck Accident

UIM is a type of insurance coverage that protects the insured injured driver when the driver who caused the accident does not have enough liability coverage to compensate the injured driver’s damages and injuries.  NJ drivers do not have to carry UIM coverage, and can in fact, turn down the coverage when purchasing a car insurance policy, but this is a mistake.

In my client’s situation, the other driver who caused the accident had $100,000 in liability coverage.  My client’s injuries and damages well exceeded the driver’s liability coverage.  Fortunately, she purchased a high UIM coverage and was able to recover her damages after we filed a UIM claim on her behalf.

If she did not have UIM coverage, she would only have been able to recover $100,000 and nothing more.

If you were in a motor vehicle accident in Cherry Hill or Marlton, NJ and want to know your legal rights, feel free to give me a call at 800.281.8695. I have helped numerous car and truck accident victims obtain financial compensation for their damages and injuries.

Car Accident Law Articles

Review of Philip Ciprietti (NJ Car Accident Case)

Review of Philip Ciprietti, NJ Car Accident Lawyer "I am writing to you to say thank you to you and your staff for all your legal advice and services you have provided to me over the last fifteen years. When I had my first consultation with you I said to you “ please...

NJ Car Accident Law – Determining Source of Financial Recovery in a Highway Multi-Vehicle Accident for Injured Auto Victims (Part 2)

Part 1 of this article used a recent NJ multi-vehicle accident near the Garden State Expressway in Union, NJ to explain how the 2 injured truck drivers may recover from the at-fault driver. Part 2 of this accident will discuss how they may be able to file Underinsured...

South New Jersey Auto Accidents & Injuries – Crash Data

A Look at South NJ Auto Accident Crash Data Over the Last Decade In general, auto accidents and related injuries occur with much greater frequency in North New Jersey. South New Jersey such as Camden, Ocean and Burlington County have far lower rates of auto crashes...

NJ Motor Vehicle Accidents Involving Tractor-Trailers Often Result in Serious Injuries or Fatalities

Motor vehicle accidents involving tractor-trailers often result in serious injuries and/or fatalities.  Serious tractor-trailer accidents occur when cars, vans and SUVs are rear-ended by tractor-trailers. The damages and injuries are even more severe when the...

NJ Rear-End Accidents-Who is at Fault?

Rear-end collisions and car accidents are common throughout New Jersey cities such as Southampton and Mt. Laurel. New Jersey law requires all drivers to maintain a safe following distance. There should be plenty of space between 2 cars traveling in the same direction....

FREE CONSULTATIONS

    Spam:  

    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.

    OUR OFFICE

    79 S. Maple Avenue
    Marlton, NJ 08053
    Phone: 856.983.8695
    Fax: 856.983.0015
    Toll Free: 800.281.8695

    Google Map/Directions