COVID-19: Your safety is our priority. Amidst the COVID-19 outbreak, we are doing our part to keep our clients and team members safe and healthy. We are still open and accepting new cases everyday. However, during this time we will not be accepting drop offs and pickups from any of our Firm locations. The wheels of justice are still moving, but you can stay home while we fight for you.
If you are injured by a motor vehicle that does not have insurance, fortunately you are protected by your own automobile insurance through what’s called your uninsured motorists protection or your UM protection
That is a requirement under all New Jersey policies so that you are protected against people who are driving without insurance illegally.
What happens is that your own insurance company steps into the shoes of the other car and acts as their insurance company for purposes of an injury, compensating you for an injury, etc.
The uninsured motorists portion of your policy is something that you pay for that protects you and your family, so when you take out automobile insurance, you should make sure that your uninsured motorists coverage or your UM coverage is high enough to protect you