How To Protect Yourself With The Right Insurance Policy
If you, a friend, or a family member have been involved in an accident with an underinsured motorist or found after an accident you were underinsured GGL is here to help. Below you will find answers to questions about coverage and some recommendations of the New Jersey Association for Justice.
If you would like to speak to an attorney that specializes in insurance coverage, please contact us today at 732-860-4222. We would be happy to review your policy and ensure your family is properly protected.
You are faced with many choices when you purchase or renew your automobile insurance policy. The failure to purchase the correct coverage will affect both your ability to receive medical care if you are injured in an accident and your legal right to receive monetary damages from the careless driver who caused the accident.
One of the most important things to do when you are shopping for insurance is to make sure that you are getting the right policy for your needs. There are a few different ways to go about this, but one of the best is to consult with an insurance agent.
An insurance agent can help you understand your options and find the right policy for you. They can also help you compare rates from different insurers so that you can get the best deal possible.
When you are looking for insurance, it is important to make sure that you are getting the right coverage. There are a few different types of coverage, and each one has its own benefits and drawbacks.
The first type of coverage is liability insurance. This type of insurance will pay for damages that you cause to another person or their property. It is important to have this type of insurance if you are in an accident, because it can help to protect you from having to pay for the other person's medical bills or property damage.
The second type of coverage is collision insurance. This type of insurance will pay for damages to your own vehicle if you are in an accident. It is important to have this type of coverage if you drive a lot, because it can help to cover the cost of repairs to your car.
The third type of coverage is comprehensive insurance. This type of insurance will pay for damages to your own vehicle, as well as any damage that you cause to another person's property. This is the most expensive type of coverage, but it is also the most comprehensive.
When you are shopping for insurance, it is important to compare rates from different companies. You can do this by getting quotes from several different insurers. You can also use an insurance agent to help.
How can I protect myself and my family if we are sued after a car accident?
One of the best ways to protect yourself and your family after a car accident in New Jersey is to hire an experienced personal injury attorney. Your attorney can help you navigate the legal process, ensure that you receive fair compensation for your injuries, and protect your rights throughout the case.
How can I protect myself and my family if we are injured by a careless driver who is uninsured?
A standard Policy automatically provides coverage for injuries caused by an uninsured or hit-and-run driver for $15,000 per person or $30,000 per accident. You may want to purchase additional coverage to make sure you and your family are properly taken care of.
If you or a loved one has been injured by an uninsured driver in New Jersey, you may be wondering what options are available to you. While it can be difficult to obtain compensation from an uninsured driver, there are some steps you can take to protect yourself and your family.
One option is to file a claim with your own insurance company. If you have uninsured motorist coverage, your insurer may be able to help pay for your medical expenses and other damages. Another option is to file a lawsuit against the uninsured driver. This can be a complicated process, and you will likely need the assistance of an experienced personal injury attorney.
How can I protect myself and my family if we are injured by a careless driver who is insured but does not have adequate coverage?
The amount of your recovery from a careless driver may be limited by the amount of liability insurance purchased by that driver and by the owner of the vehicle. You should purchase underinsured motorist coverage up to the amount of your liability coverage.
Warning: You must specifically name all resident relatives, employees, and all other drivers as “named insureds” so that they receive the same amount of uninsured/underinsured motorist coverage that you have purchased for yourself.
If you or a member of your family is injured by a careless driver who is insured but does not have adequate coverage in New Jersey, there are some steps you can take to protect yourself and your loved ones. First, it is important to contact an experienced personal injury attorney who can help you navigate the complex legal process and ensure that you are fairly compensated for your injuries.
Second, you may be able to file a claim with your own insurance company if you have uninsured/underinsured motorist coverage. Third, you can also file a lawsuit against the at-fault driver to recover damages. However, this option should only be pursued with the guidance of an experienced attorney, as it can be a complex and time-consuming process.
Taking these steps after you or a loved one has been injured by a careless driver can help you protect your rights and get the compensation you deserve.
Can I purchase other insurance protection in addition to automobile insurance?
Yes. You can purchase a personal catastrophe liability umbrella at a reasonable cost that will provide you with additional coverage if a claim is made against you or any resident family member for injuries sustained by another person.
Safe Choice: Purchase A Personal Catastrophe Liability Umbrella with Limits of $1 Million.
There are several other insurance products available in New Jersey that can provide additional protection for you and your family. These include health insurance, life insurance, and homeowners or renters insurance. You may also want to consider umbrella liability coverage, which can provide extra protection in the event of a major accident or lawsuit.
How much auto insurance coverage should I have?
The law requires the owner of every automobile registered or principally garaged in New Jersey to purchase an automobile insurance policy with liability limits and uninsured motorist limits of $15,000 per person or $30,000 per accident. However, insurance companies are required to offer coverage up to at least $250/500,000 split limits or $500,000 single limits.
There is no definitive answer to how much auto insurance coverage you should purchase in New Jersey. Ultimately, the amount of coverage you need will depend on a variety of factors, including your driving habits, the type of car you own, and your financial situation.
That said, most experts recommend that drivers carry at least $100,000 in bodily injury liability insurance and $50,000 in property damage liability insurance. If you have a newer car or are concerned about being able to cover the cost of repairs or replacements, you may want to consider carrying more than the minimum amount of coverage.
No matter how much auto insurance coverage you choose to purchase, be sure to shop around and compare rates from multiple insurers before buying a policy. This will help you make sure you're getting the best possible deal on your car insurance.
How do I select the right type and amount of auto coverage that I want to purchase?
You will receive a Coverage Selection Form with your application for a new policy or with the renewal of an existing policy. You must sign the form and return it to your insurance agent or insurance company. You should discuss your choices with your insurance agent or your attorney.
There are a few things to consider when determining the type and amount of auto coverage you want to purchase in New Jersey. First, think about what types of coverage you need. There are many different types of coverage available, and each offers different benefits. You'll want to make sure you have enough coverage to protect yourself financially in the event of an accident.
Next, consider the amount of coverage you need. How much can you afford to pay out-of-pocket if you're in an accident? The more coverage you have, the less financial risk you'll face if you're in an accident. However, this also means that your premiums will be higher.
Finally, consider your deductible. This is the amount of money you'll have to pay out-of-pocket before your insurance coverage kicks in. The higher your deductible, the lower your premiums will be. However, you'll need to make sure you can afford to pay your deductible if you're in an accident.
What is NJAJ?
The New Jersey Association for Justice, Inc. is an organization of over 2,000 attorneys who represent citizens who are injured in accidents. In addition, we represent the interests of accident victims in hearings before the legislature, Executive agencies, and the judiciary. If you are injured in an accident, you should contact a member of NJAJ for legal advice.
You are faced with many choices when you purchase or renew your automobile insurance policy. The failure to purchase the correct coverage will affect both your ability to receive medical care if you are injured in an accident and your legal right to receive monetary damages from the careless driver who caused the accident. We strongly recommend that you select the coverages that properly protect yourself and your family.
If you or a loved one has been involved in an accident and suffered injuries, you may be entitled to compensation. An uninsured accident injury attorney in New Jersey can help you pursue a claim and get the money you deserve. If you would like to speak to an attorney that specializes in insurance coverage, please contact us today at 732-860-4222. We would be happy to review your policy and ensure your family is properly protected.