Attorney Legal Advice About Uninsured & Underinsured Motorcycle Insurance Issues in NJ

As drivers in New Jersey, we understand and make all efforts to follow the rules of the road when in suburban Summit and Westfield or urban Newark and Jersey City. However, when it comes to a very important non-moving regulation – namely obtaining and maintaining a minimum of insurance coverage – many drivers think they are above the law. The real problem is that any other vehicle that gets into an accident with an uninsured or underinsured motorist will have a real challenge collecting the compensation they need to pay for medical treatment and cover lost wages.

If you or someone you know has been injured in a motorcycle collision caused by an underinsured or uninsured driver in Clark, West New York or Plainfield, or anywhere else in NJ, you need the assistance of a knowledgeable personal injury lawyer who knows insurance laws and can fight for your rights. Contact the experienced motorcycle accident injury attorneys at Team Law today for a free consultation about your accident.

Why Motorcyclists Need to Protect Themselves by Obtaining the Maximum Amount of Uninsured/Underinsured Insurance Allowed by NJ Law

Motorcycle riders may love the freedom that comes with riding rather than driving a car or truck. However, that freedom comes with serious risks.

• It’s a widely published fact that motorcyclists are 26 times more likely to get killed in an accident as compared with car drivers and passengers in that same crash.
• Bikers are five times as likely to get critically injured compared with occupants of the other vehicle.
• This information is even more concerning when you consider that, according to the National Highway Traffic Safety Administration (NHTSA), when a motorcycle is in an accident with a car, truck or bus, the other driver caused the accident at least two-thirds of the time.

Knowing all these facts, the real question is this: if you are in a motorcycle crash with a driver who failed to maintain the proper insurance, what do you do? The same question goes for hit and run accidents. Who pays for your medical treatment and compensates you? Others who were injured or whose property was damaged?

The answers are simple: as an informed motorcycle rider, it’s imperative to carry the maximum amount of Uninsured/Underinsured Coverage you can purchase. State law requires a minimum of insurance; motorcyclists should protect themselves by carrying a policy that will cover them for the maximum amount possible.

Here’s why: If you get into an accident with someone who carries the minimum amount of liability insurance ($15,000) required by law, the most you can get from the other driver’s insurance company is $15,000. If they have no insurance or they are an unknown driver from a hit-and-run accident, you have no one to sue for damages.

Let’s say you also carry only the minimum amount of Uninsured/Underinsured Motorist Insurance ($15,000) on your motorcycle insurance policy. Now, the maximum in compensation you can hope to receive is still only $15,000 as you can only collect on a UIM policy the amount in excess of the defendant’s policy.

On the other hand, if you carry the maximum amount of Uninsured/Underinsured Motorist coverage — $500,000 offered by some insurance carriers – you may be able to collect up to that amount when you’ve been seriously injured in a motorcycle accident. Again, you can sue your own insurance company for any amount over and above the amount of the other driver’s policy.

You may be very surprised to know that the difference between the minimum $15,000 Uninsured/Underinsured Motorist insurance policy and the maximum $500,000 policy could be as little as $1 per day! However, the difference between $15,000 and $500,000 when you’ve been injured is obviously immense.

Contact Team Law today for assistance with your underinsured/uninsured motorist claim. We will fight for your rights and work tirelessly to get you every dollar you are entitled to receive for your motorcycle accident injuries. We have conveniently located offices throughout New Jersey to serve you, including Edison, Orange, Irvington, Rahway, and New Brunswick.

Further, our accident lawyers are extremely knowledgeable about motorcycle accident insurance laws and options. Andrew Prince, Esq. has been specializing in representing motorcyclist accident victims for more than 25 years by advising them about insurance options and fighting for maximum compensation when they have been injured in an accident. Call us today for a free review of your current insurance policy.

Knowledgeable NJ Personal Injury Lawyers Help Clients with Uninsured/Underinsured Motorcycle Accidents Claims

New Jersey is a crowded state; at any time of the day or night our busy highways, including Route 287, the NJ Turnpike, Garden State Parkway, Routes 78, 80 1 and 3, are filled with motorists trying to get from here to there. When accidents involve motorcycles, the resulting injuries can be catastrophic.

We invite you to contact the skilled lawyers at Team Law for a free consultation about your accident. If you lost a loved one in a bike crash, we are so very sorry for your loss. Rest assured, we will protect your family’s interests and get you the compensation you deserve. Call our offices today to speak with a caring lawyer about your case.