"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