"UNINSURED (UM) & UNDERINSURED (UIM) CLAIMS IN NEW JERSEY" There are a variety of types of automobile insurance drivers in the State of New Jersey can avail themselves of through their auto insurance carrier. While most people are familiar with liability insurance (the insurance coverage that helps cover the costs of the other driver’s property damage and bodily injuries in an accident), and collision insurance (the coverage that helps you pay for the repair or replacement co

Understanding Personal Injury Protection Back in 1972, in response to rising automobile insurance premiums, the New Jersey Legislature passed and enacted no-fault insurance laws. Auto insurance was also made compulsory for all motor vehicles with minimum liability coverage of $15,000. That amount has never been increased despite inflation. For example, the cost of an average U.S. home in 1972 was under $30,000, including land. The original no-fault insurance system of 1972 is

New Jersey's 'No Fault' System Thanks in large part to the beautiful Jersey Shore, and tourist destinations like Atlantic City or Wildwood, the roads and highways of New Jersey are packed with traffic, be it commuter going to or from work, trucks transporting cargo, or out-of-state visitors. Since New Jersey is the most densely populated state, it is no surprise that it loaded with traffic, and as is often the case with heavily trafficked roadways, there is a higher than aver