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NJ Car and Truck Accident Lawyer Talks About When to File an Uninsured/Underinsured (UM/UIM) Motorist Claim in a Car or Truck Accident

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.

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NJ car drivers are required to carry car insurance policies for their cars; however, many car owners may not know what their policies contain or what they mean when serious car accidents happen.

A type of car insurance coverage many drivers often misunderstand is uninsured/underinsured motorist (UM/UIM) coverage.  The law governing UM/UIM coverage is codified in New Jersey Statutes Annotated Section 17:28-1.1.

It is important to note that in New Jersey, UM/UIM coverage is only offered in a “standard” insurance policy and not in a “basic” insurance policy.

The “standard” policy provides different coverage options and the opportunity to buy additional protection.  Most New Jersey drivers choose the standard policy.

Though the “basic” policy costs significantly less than a “standard” policy, it provides limited coverage and does not offer UM/UIM coverage.

What is UM Coverage?

UM coverage comes into play when the car insurance policy holder or other “insureds” (i.e., household family members) under the car insurance policy are injured in an accident caused by a driver who does not have car insurance to cover their bodily injury losses. It also comes into play in phantom driver or hit and run situations.

For example, driver A was in a serious car accident caused by driver B on the NJ turnpike and sustains serious injuries.  Driver A files a claim against driver B, but driver B is uninsured.  In this instance, driver A can file an UM claim under his own car insurance policy.

What is UIM coverage?

UIM comes into play when the policyholder or other “insureds” under the policy are injured in an accident caused by another driver whose bodily liability coverage is insufficient to compensate the injured insureds.

Using the factual example above, driver A is catastrophically injured and files a claim against driver B.  Driver A’s damages are $200,000; however, driver B’s bodily injury or liability coverage is only $100,000.  Therefore, driver B’s insurance company would pay $100,000 to driver A for his losses.

Because driver A’s losses are over $100,000, he may file a UIM claim under his own car insurance policy to recover the remaining $100,000.  However, driver A’s UIM coverage must be more than driver A’s liability coverage.  Therefore, driver A’s UIM coverage has to be more than $100,000 in order to file a UIM claim.

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New Jersey Car and Truck Accident Lawyer with Over 35 Years of Experience. Free Consultations

If you were in a car or truck accident on a New Jersey highway, feel free to contact Phil T. Ciprietti, Esquire for a free initial consultation.

Mr. Ciprietti places the interests of his clients first in all matters.  Since 1982, Mr. Ciprietti has been certified by the New Jersey Supreme Court as a Certified Civil Trial Attorney. He is an experienced personal injury lawyer who has helped many injured car and truck accident victims in New Jersey. If you were injured in a NJ car, truck or bus accident, contact Mr. Ciprietti for a free initial consultation. 800.281.8695

In addition to helping residents of New Jersey in all types of accident cases, Mr. Ciprietti also represents residents of other states such as Pennsylvania, New York, Maryland, and Virginia who are injured in car, truck or bus accidents while driving on New Jersey roadways such as, the NJ Turnpike, AC Expressway, Interstate 295 or the Garden State Parkway.

*Disclaimer: Every case is unique and you should not take any action or make decisions in your case without speaking to a qualified car and truck accident lawyer in New Jersey. This website page does not provide any legal advice or create any attorney-client relationship. Use of the contact form on this website or emailing Mr. Ciprietti does not create any attorney-client relationship. In addition, confidential information should not be sent through the contact form.

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