Uninsured / Underinsured Motorist Claims in New Jersey

Morris County Car Accident Lawyer

Accidents happen, but what do you do when the driver who hit you has NO insurance? What should you do if they he or she totals your car, leaves you with unpaid doctor bills and carries only minimal insurance? Take a deep breath and call an experienced Morris County personal injury attorney at The Law Offices of Christopher G. Porreca, P.C.

I am uniquely qualified to help you pursue a settlement from insurance companies. I previously defended insurance companies, so I understands how they work and how to get what you need. The first consultation is free and there is no obligation.

No-Fault Claims for Uninsured and Underinsured Motorist Coverage

If you have an accident with an uninsured or underinsured motorist, you have the option of going back to your own insurance company to collect damages. In order for that to happen, your insurance company must determine that the other driver is "at fault" or responsible for the accident. Responsibility is apportioned by a percentage. New Jersey has a comparative negligence law. That means that you can collect damages as long as the other driver was more "at fault" than you were.

Split Limits

Every insurance policy has liability coverage limits. In New Jersey a drive must carry 15/30. The insurance company pays out up to $15,000 to each person injured by you. $30,000 is the payout limit. Insurance law can be very confusing. Contact the experienced personal injury Attorney Christopher G. Porreca for help filing a claim. Nobody should stand alone against insurance companies.

Hit-And-Run Accidents

If you have been involved in a hit-and-run accident, it is important to consult an experienced personal injury attorney, because it is difficult to track down motorists who leave the scene of an accident. If the driver is found, he or she will face criminal charges as well as financial responsibility for your injuries and damage to your car. My team at The Law Offices of Christopher G. Porreca can negotiate on your behalf to get maximum compensation from your insurance company. If you have been involved in a car accident, find out what to do next.