Life Insurance Jersey City New Jersey NJ
Reader’s Question:
My buddy says uninsured motorist coverage is required by law. I have just moved to New Jersey and have never had it before. Am I breaking the law in Jersey City New Jersey NJ?
Francis
Jersey City, NJ
Hi there Francis,
Every driver in the state of New Jersey is required to carry uninsured motorist coverage. Uninsured motorist coverage is not required in many states. This coverage is covered under your liability insurance. Specifically uninsured motorist coverage protects you if you are in an accident with an uninsured driver. Yes, Francis, they are out there!
Limits for uninsured motorist coverage are the same as for your liability insurance. Remember, they can be increased by an additional endorsement. Regardless of fault, this protection pays for medical costs in an accident where the other driver is uninsured. In states where uninsured motorist coverage is not required by law, this coverage is available as a fairly inexpensive rider. It is well worth the protection in Jersey City New Jersey NJ.
Uninsured motorist coverage also protects the operator of a vehicle in which a hit and run has occurred. If the violator flees and is not located, this rider covers the medical expenses. We hope this never happens to you, but you should contact a New Jersey auto insurance agent and review your policy. Drive safely!
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