image

Uninsured and Underinsured Car Accidents in Hackensack

You pay your bills, you go to work, and, of course, you have car insurance, as required by New Jersey law (see this helpful article from the New Jersey Motor Vehicle Commission). But not everyone does the right thing like you.

There are negligent drivers out there with no insurance, lapsed insurance, and too little insurance. There are also drivers that flee from the scene and cannot be identified. The Insurance Information Institute estimates that 14 percent, or 1 in 7 drivers, are uninsured. Learn more about navigating uninsured and underinsured car accidents in Hackensack during a free initial consultation with one of our qualified car crash lawyers at O’Cathain Law Group.

What Does This Mean for You?

It means that there might not be enough money to compensate you for the injuries caused by the negligent driver.

How Do You Get Around It?

Go to your insurance policy and look to see if you bought uninsured/underinsured (UM/UIM) coverage. UM/UIM coverage is there to protect you against negligent drivers with little or no insurance. If you have UM/UIM coverage, you can go and bring a claim against your own insurance to get proper compensation.

Why Would I Bring a Claim Against My Own Insurance Company?

Because your insurance company is now responsible to compensate you based on the premiums you pay for UM/UIM coverage. Are you still confused about UM/UIM? Here are some questions and answers that will help.

What Is the Difference Between Uninsured and Underinsured?

Uninsured means there is no insurance policy coverage on the car/driver (this is illegal) or the negligent driver took off and can’t be identified (also illegal).

Underinsured means that there is insurance policy coverage, but that it is enough for your injuries.

How Do You Deal With an Uninsured or Underinsured Driver in New Jersey?

Talk to a Board Certified Civil Trial lawyer in Hackensack who can look at your injuries, the negligent driver’s insurance, and your insurance coverage. This is trickier than you might think and takes a lawyer who knows where the real information lies – and that’s where the O’Cathain Law Group Personal Injury Law Department can help.

What Steps Should You Take if You’re in an Accident With an Uninsured or Underinsured Driver?

  • You probably won’t know the driver is uninsured until later. Follow these steps in every car crash.
  • Call the police: Accidents must be reported to the police. The other driver may not want to, since driving without insurance is against the law.
  • Don’t accept the money: The uninsured driver may offer you cash so they can go on your way. Don’t fall for that trap.
  • Take photos if you can.
  • Medical Help: get seen by a doctor if you start to feel pain some time after the crash.
  • Call O’Cathain Law Group: We have 24/7 call answering at (201) 488-1161, and we can help.

All drivers may not be as responsible as you are. If you’re in a car accident with an uninsured or underinsured driver in Hackensack, let O’Cathain Law Group Personal Injury Law Department fight for you— to get you back on the road safely.

Speak With a Hackensack Attorney About Uninsured/Underinsured Car Accidents

If you or someone you love is in a car accident with an uninsured or underinsured driver, contact our 24 hours service. We have experience seek fair compensation for those involved in uninsured and underinsured car accidents in Hackensack.

Reach out today for a free consultation. Call (201) 488-1161, email 

in**@ol***.com











, or fill out the online intake form here. Get the money you need to Move Forward.