Close Menu
Home > FAQ: Personal Injury/Wrongful Death/archives > FAQ: What is Uninsured or Underinsured Motorist Coverage?

What is NJ Uninsured or Underinsured Motorist Coverage?

Morris County and Sussex County Uninsured/Underinsured Car Accident Attorney

What is NJ Uninsured or Underinsured Motorist Coverage?Most states have statutes that require insurance companies to offer uninsured/underinsured motorist coverage as a part of each automobile/vehicle insurance plan. In most jurisdictions, an individual may be considered underinsured when his or her insurance policy coverage is not enough to fund the full amount of damages he or she is liable for due to an accident or other event covered by his or her policy. In other jurisdictions, a person is considered underinsured when his or her insurance coverage maximum is less than the coverage maximum of the other individual’s (in the accident) policy. Of course, uninsured persons are those that do not carry automobile liability insurance. The purpose of uninsured/underinsured motorist coverage is to protect against situations where one party to the accident does not carry enough insurance or does not carry insurance at all. Therefore, the intent of mandatory uninsured/underinsured motorist coverage is to protect people against monetarily irresponsible individuals who have injured others, due to their own fault, while operating an automobile. If the uninsured or underinsured individual is not at fault, most underinsured/uninsured motorist policies will not apply.

Who is Included in my Uninsured/Underinsured Motorist Coverage? Parsippany Auto Accident Lawyer

Generally, the uninsured/underinsured motorist insurance coverage will include the named insured (person who has the insurance policy) and the family members who reside in his or her household. Usually, the injured insured person and/or family member must be a passenger in the vehicle, a pedestrian injured by the vehicle or the driver of the vehicle in the accident. In the past, some insurance policies excluded coverage for the insured’s family members. However, these types of exclusions have been found invalid by most state laws. The only time such an exclusion may be found valid is when the family members already have a separate insurance policy of their own. This type of exclusion is valid by most state laws because it is in the interests of public policy and the insurer. Along these lines, an insurance policy may not exclude a family member of the insured who is not covered by the policy, but who is injured while in an automobile that is owned by a family member who is covered by the insured’s insurance policy. It is important to speak to an attorney in your jurisdiction to learn about the uninsured/underinsured motorist coverage and exclusion laws that may apply in your state.

Am I Covered Under My Employer’s Uninsured/Underinsured Motorist Insurance Policy? Dover Car Accident Injury Attorney

The courts will look to the language of your employer’s uninsured/underinsured insurance policy to determine who is covered under that policy. The uninsured/underinsured motorist statute in your jurisdiction may also determine who is covered under your employer’s policy. In some jurisdictions, an employee will be covered by his or her employer’s corporate policy if the employee is using his or her own vehicle for business purposes, at the direction of his or her employer. The employee’s personal vehicle may be considered leased, or hired, by the employer. In other jurisdictions, an employee using his or her personal automobile for work purposes will not be covered under the state law’s definition of a “named insured” (person or persons covered under the insurance policy) under the corporate policy.

Uninsured/Underinsured Car Accident Attorney

Our team has considerable experience handling insurance cases and is fully prepared to handle the strategies designed by insurance companies to get away with honoring rightful claims. The attorneys at The Law Offices of Michael P. Burakoff will seriously analyze your individual situation and work to ensure the fair compensation you deserve. Call us at 973-455-1567 or visit our website to fill an online form.

Back to Main
View Archives

Share This Page:
Facebook Twitter LinkedIn

© 2019 The Law Offices of Michael P. Burakoff, P.A. All rights reserved.
This law firm website and legal marketing are managed by MileMark Media.

Free Case Evaluation
protected by reCAPTCHA Privacy - Terms