Understanding Uninsured Motorist Insurance In New Jersey?

Uninsured motorist insurance (UM) protects you and your passengers if you're in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover your damages. UM coverage can also cover you if you're hit by a hit-and-run driver. New Jersey requires all drivers to carry UM coverage, with minimum limits of $15,000 per person and $30,000 per accident.

Here's how UM insurance works in New Jersey:

* If you're in an accident with an uninsured driver, you can file a claim with your insurance company to recover your damages.

* Your insurance company will investigate the accident and determine if the other driver was at fault.

* If the other driver was at fault, your insurance company will pay your damages up to the limits of your UM coverage.

* If the other driver doesn't have any insurance, or if their insurance doesn't cover your damages, your UM coverage will pay the difference.

UM coverage can cover the following damages:

* Medical expenses

* Lost wages

* Pain and suffering

* Property damage

Here are some things to keep in mind about UM insurance:

* UM coverage is not required by law in all states, but New Jersey is one of the states that does require it.

* The minimum UM coverage limits in New Jersey are $15,000 per person and $30,000 per accident.

* You can purchase UM coverage with higher limits if you want more protection.

* UM coverage can be expensive, but it's worth the peace of mind it provides.

If you're not sure if you have UM coverage, you can check with your insurance company.