Protect Yourself and Your Family by Choosing the Right Automobile Insurance

A significant percentage of the motor vehicles that travel though our community are either uninsured or underinsured.

To protect against the harms and losses caused by uninsured or underinsured motorists, automobile insurance companies are obligated by law to provide uninsured motorist (UM) coverage to those motorists who purchase Standard policies. Although underinsured motorist (UIM) coverage is not mandatory, typically they are sold hand-in-hand with UM endorsements and are found in virtually all Standard automobile insurance policies in New Jersey.

As the name suggests, UM /UIM coverage is that element of an insured’s own policy of insurance under which he or his family may be compensated for injuries and losses suffered at the hands of an uninsured or underinsured motorist. This coverage also applies when you are injured as a passenger in someone else’s vehicle.

UM/UIM insurance is very inexpensive yet very important. It is designed to protect you and your family. For instance, you are sitting at a red light minding your business when all of the sudden a drunk runs a red light, crashes into your vehicle and causes you to spend the next week in the hospital with multiple permanent, internal injuries. Your only source of compensation for pain, suffering and unpaid medical bills may come from your UM/UIM insurance policy if the drunk was uninsured or underinsured.

Automobile insurance is mandatory in New Jersey. And although the failure to carry automobile insurance may be punishable by imprisonment many people deliberately do not carry insurance or do not realize that their insurance policy has expired or been cancelled.

Never rely upon a stranger to protect you and your family.

Selecting the correct insurance coverage is your responsibility.

Call the Attorneys at R.C. Shea & Associates for a free evaluation of your automobile insurance policy.