When it comes to driving, the only things you can control are your vehicle and your insurance. You can’t control how others drive or what insurance they have. Nor can you control the weather, road conditions, or bystanders and animals from running into the street. If you don’t prepare yourself beforehand, you risk being unable to attain the monetary compensation you deserve. The car accident lawyers of NJ, the Law Offices of Vincent J. Ciecka, P.C., are here to help.
I Have Full Coverage… Right?
Most likely, you don’t. Insurance coverage can be confusing. The are different companies, tiers, limits, deductibles; the list goes on.
What if I’m hit by someone without insurance?
Uninsured motorist coverage is what covers you if you’re in an accident caused by a driver without auto insurance. There is also underinsured motorist coverage. Your insurance company fills the role of the other liable driver and acts as his or her insurer for your claim. These coverages reimburse you if you get into an accident with an uninsured, underinsured, or hit-and-run driver. In today’s economic climate, we want you to be aware of this because there are people looking to cut costs by driving without auto insurance.
Raise Your Uninsured & Underinsured Coverage
We’ve been doing this for over 40 years, and the number of uninsured motorist claims seems always to be increasing. Therefore we encourage everyone to raise their coverage for uninsured and underinsured motorist coverage. We understand why most people don’t.
Why pay more when you don’t have to? The cost is nothing compared getting seriously injured by an uninsured driver. You can’t raise your coverage for an accident after the fact. You must do it preemptively. Insurance brokers don’t recommend this coverage because it is relatively cheap and they don’t make as much money off selling it. Unfortunately, most people won’t think about this until after the accident, when it’s too late.
We are more than capable of going over every last detail of your insurance policy with you and make recommendations. At the Law Offices of Vincent J. Ciecka, P.C. we’re here to take away the stress and do all the work for you. For the premier auto accident lawyers of NJ, call us at 856-283-0589 or browse the rest our website for more information.
