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Disclaimer:    The information you obtain at this site is not, nor is it intended to be, legal advice. This web site is designed for general information only. You should consult an attorney for advice regarding your specific situation. All results vary. We invite you to contact us and welcome your calls, letters and emails. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time that an attorney-client relationship has been established.

What is Uninsured and Underinsured Motorist Coverage in New Jersey?

September 1, 2016


Most drivers in New Jersey do not know the legal terms for certain insurance coverage for their vehicles.  It is crucial to become familiar with these theories of motor vehicle insurance coverage, because you never know when you or a family member might be injured in an accident.  


Uninsured motorist (also known as "UM") coverage is paid to you or your family members by your own insurance company, if you are injured by an uninsured car or if you are the victim in a hit and run accident.

Underinsured motorist (also known as "UIM") coverage is paid to you or your family members by your own insurance company, if you are injured by a driver who does not have sufficient coverage to pay for all of your injuries. Most of the time, depending on your injuries as a result of a motor vehicle accident, the other driver who was responsible for the accident, does not have sufficient coverage to pay for your injuries. It is included in your UM coverage.

In such circumstances, UM/UIM coverage protects you and your loved ones. We therefore recommend that you purchase the most coverage available under your policy (that is, an amount equal to the amount of your liability coverage). Incremental increases in UM/UIM premiums are relatively inexpensive, and are well worth the investment.


Call Pamela Anevski, Esq. for a FREE consultation at (908) 255-0483 if you or a family member has been injured in an accident.

Disclaimer:  The information contained in this Online Blog is provided for informational purposes only, and should not be construed as legal advice on any subject matter. No recipients of content from this site, clients or otherwise, should act or refrain from acting on the basis of any content included in the site without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from an attorney licensed in the recipient's state. The content of this Blog contains general information and may not reflect current legal developments, verdicts or settlements. The Law Office of Pamela Anevski expressly disclaims all liability in respect to actions taken or not taken based on any or all the contents of this Blog.

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