Blue Lion Insurance Advisors, LLC provides clients in New Jersey with comprehensive Auto Insurance, including reliable insurance against uninsured or underinsured motorists (UM/UIM). This type of car insurance is extremely important because nearly 15 percent of New Jersey drivers are uninsured or underinsured. Beyond that, drivers irresponsible enough to be driving without insurance are also more likely to be negligent or reckless on the road.

These two facts combine to increase your risk of having an accident with an uninsured motorist. Even worse, uninsured motorists are more likely to hit and run since they know they are breaking the law by driving without insurance. Fortunately, these days forensic methods are sophisticated, and such drivers are usually caught quickly. Still, that doesn’t mean they have resources you can tap to pay for your damages.

Our experienced insurance advisors are in the business of protecting you and your family by making sure you have cost-effective insurance to cover any property damage or injuries. We are always careful to make sure that your costs will be covered if you have the misfortune to collide with a driver who is not carrying sufficient insurance to meet your expenses, or who is not carrying any car insurance at all.

Because Blue Lion Insurance Advisors, LLC is not associated with a single insurance company, we provide the benefit of working in your best interests alone. We are able to offer you a choice of Auto Insurance policies from various companies and guide you to the policy that will best suit your needs. Why not contact us at (732) 649-1600 or online to hear about the advantages of obtaining Auto Insurance that will not only cover all the bases but may save you as much as 35 percent in premiums?

Why does having an accident with an uninsured motorist complicate coverage?

Being in an auto accident severe enough to cause property damage and possible personal injury is traumatic. In addition to your emotional and/or physical pain, you may be concerned, or even fearful, about how you will be reimbursed for your costs. This is especially true if your vehicle has been totaled and has to be replaced, or if you have suffered injuries involving surgery and/or a prolonged recovery. This is why being proactive about insurance coverage is essential.

As soon as you contact our skilled team of insurance advisors, you will begin to relax. Each of us has in-depth knowledge of the policies that will offer you the most complete coverage against the risks of accidents involving uninsured and underinsured drivers in New Jersey.

PIP Insurance in New Jersey

Because New Jersey is a no-fault state, no matter who or what causes an automobile accident, your own insurance company is responsible for your medical expenses. All drivers are required to carry personal injury protection (PIP) benefits to pay for injuries resulting from a vehicular accident. Therefore, your PIP policy will pay any of your medical bills resulting from the collision, but only up to your policy limit. For this reason, it is important to have the most inclusive policy you can afford.

UM/UIM  Motorist Coverage Is Mandatory in New Jersey

State law also requires that all drivers carry minimum coverage for UM/UIM collisions for their own protection in the following amounts:

  • $15,000 for injuries suffered by a single person in the accident
  • $30,000 for injuries suffered by all those injured in the accident
  • $5,000 for property damage caused by the accident

You may also choose to purchase UM/UIM coverage over and above the minimum amount required, but only up to the amount of your regular insurance coverage for liability and property damage. Our well-trained insurance advisors may also recommend that you purchase UM/UIM coverage that includes an “unlimited right to sue” clause. Otherwise, you will retain the right to sue for an amount over the above settlements, but only if you have suffered catastrophic injury (such as loss of a limb or some other permanently disabling injury).

The Process of Filing a Claim on Your UM/UIM Policy

If the driver responsible for your property damage and/or injuries is uninsured, you will be able to file a claim under your UM policy quickly. If, however, the other driver is underinsured (i.e. has insurance, but not enough to cover the full amount he/she is liable for), you must first file a claim with the other driver’s insurance company. Only after you have exhausted the other driver’s coverage will you be permitted to file a claim on your own UM/UIM policy for the difference.

Contact Blue Lion Insurance Advisors, LLC Today for Protection from Uninsured Drivers

Our highly capable insurance advisors have been helping to keep New Jersey drivers safe for years. We pride ourselves on being a source of valuable information and informed guidance for those seeking to minimize risks for themselves and their families. While we cannot keep uninsured motorists off the road, we can prepare you with the proper insurance policy to keep you and your loved ones Blue Lion Strong™. Contact one of our experienced insurance advisors today to get started!