UIM (Underinsured) Motorist Insurance Coverage and UM (Uninsured) Motorist Insurance Coverage

No one wants to be in a car crash. When it happens, not only might you suffer from a headache caused by the physical impact, but also suffer with an insurance headache. Especially if you are the unfortunate victim of being injured by another driver who has no insurance, or minimal liability insurance limits.

Most drivers do not realize it, but UIM and UM insurance coverage on your vehicle insurance policy is as important as the liability coverage you choose. To that end, UIM (Underinsured) Motorist Insurance Coverage and UM (Uninsured) Motorist Insurance Coverage are mandatory insurance coverage requirements in New Jersey. Although liability coverage protects you and your assets if you are at fault for an accident, liability coverage does not protect you for your injuries if another driver is at fault for the accident.

This mandatory, important UIM / UM coverage protects you to make sure that there are funds available to you for YOUR bodily injuries and suffering if another driver is at fault for a car accident. Another way to view this is that your insurance company steps into the shoes of that at-fault driver if that driver is either uninsured (i.e. no liability insurance coverage) or if that at-fault driver has lower coverage than the limits you choose (i.e. if you choose $100,000 in UIM coverage, and the person who causes the accident only has $15,000 in coverage, you will have an additional $85,000 to go after, assuming that your injuries warrant that kind of recovery).

So, PROTECT YOURSELF! Don’t overlook the limits offered when choosing UIM and UM coverage on your automobile and motorcycle insurance policies. The amount you choose matters!

If you need more information or guidance, please contact the Law Offices of William S. Peck to discuss your options and to protect your rights.

Traffic Tickets in New Jersey, Where It’s Never Fun to Drive

Traffic tickets happen. Sometimes fairly, sometimes unfairly. Oftentimes you are given the option to just pay for the traffic violation(s) and accept the fines and penalties. However, don’t just pay it! If you just pay it, you may be hit with extra penalties and motor vehicle points without even realizing it. If you simply plead guilty and pay, you will likely end up paying maximum fines, penalties, and possibly receive points on your driving record. This may result in higher automobile insurance premiums for you and/or surcharges from the MVC (formerly DMV).

Consultation with an attorney can save you money in the long run. Having an attorney represent you for your motor vehicle violations will likely result in lower fines, lower points or no points, or possible dismissal of one of more tickets depending on the situation. Don’t do yourself a disservice. An attorney will make sure your rights are protected, and that you receive the most fair result.

If you need more information, please contact the Law Offices of William S. Peck to discuss your options and to protect your rights.