5709 Westfield Ave,
Pennsauken Township, NJ 08110

1515 Market St Suite 1200-B
Philadelphia, PA 19110

What is the ONLY WAY to Protect Yourself from Uninsured or Hit and Run Drivers?

There are not many things you can control on the road.  You cannot control other drivers’ behavior, or control what kinds of insurance people have.  Is there any way to protect yourself or family from other people’s bad driving?  If you do not first think about how to protect yourself before it happens, you risk being injured and unable to make a monetary recovering for the pain you endure.  In this article we will tell you that yes, you can protect yourself, and it is easy.  You will understand the various dangers that you may never think about until it is too late.  You will get the tools to be able to take action and protect yourself.

I Don’t Even Read My Insurance Policy, I Know I Have Full Coverage – WRONG!

Insurance coverage, the different types of coverage, and their limits or amount of coverage are confusing. This article will simplify or explain what Uninsured Motors Coverage is, why it is necessary, and what coverage you should get. It will also give some basic pointers on how to protect yourself and your family.  There are different parts of your insurance policy.  We will only explain one part in this article.

What the Heck Is Uninsured Motorist Coverage?

CieckaLawCoverageReviewTeam
After any accident, you want to make sure a team of experts like ours at Ciecka Law is reviewing your case.

Uninsured motorist coverage is automobile insurance that covers you when you are in an accident caused by someone else who has no auto insurance of their own. Your own insurance company steps into the shoes of the other liable driver and acts as his or her insurance company with respect to your claim and that of your passengers. Almost 1 in 5 drivers are uninsured today¹.  It is also compounded by Insurance Companies in New Jersey selling ‘Dollar a Day’ coverage to drivers which does not provide them with any Liability Coverage or Uninsured/Underinsured Coverage².  In other words, you can pay an insurance company to drive without insurance. Who would have thought it?

Uninsured motorist coverage (UM) is bundled with Underinsured Motorist Coverage (UIM). This means that they are sold together and can only be sold for the same limits of coverage. Uninsured and Underinsured Motorist (UIM) coverage reimburses you when you are in an accident involving an uninsured, underinsured or hit-and-run driver.

No One Carries Enough Car Insurance, So You NEED TO! 

Uninsured motorist coverage is especially important in today’s economic climate when many people cannot afford insurance coverage. Many New Jersey drivers have cut costs where they think they can get away with it. National statistics have shown that from 12.8% to 16% of drivers drive without insurance. The number is more than 25% in at least 1 state¹. Other studies indicate about 1 in 5 drivers are still willing to take the chance that they will not get caught for this financial digression³. In 2012, 1 in 10 New Jersey drivers drove without insurance.

The rise in uninsured drivers seems directly tied to the economic conditions. There has been a steady rise in uninsured drivers since the economic decline of 2008. In 2009, it was estimated that 770,000 auto accidents involved Uninsured Drivers³.  The bottom line is that you must protect yourself and your loved ones from this real risk.

We Know Car Insurance and UnInsured Motorist Claims!

Our Experience: Since 1976 we have seen a steady increase in the number of Uninsured Motorist claims involving our clients. We have warned about this and have urged our clients to raise their Uninsured and Underinsured Motorist Coverage to the amount of their Liability Limits. We have sent Christmas and New Year alerts, newsletters, email blasts, and handouts. We have posted this on our website and for years have even made this a central part of our on hold call waiting message. And while we have been successful and thanked occasionally by returning clients, the rise in uninsured motorist claims continues. We still feel this is one of the biggest problems our clients, the driving public, and everyone continues to face. Unfortunately, most people are not concerned till after they are involved in an accident and they do not have the coverage they need.

Protect Yourself and Get $250,000.00 AT LEAST In UM/UIM Coverage

Therefore, we urge you to raise your Liability and Uninsured Motorist coverage limits to a minimum of $250,000 per person and $ 500,000 per accident or higher if you can. The cost is minimal when compared to the risk of serious injury caused by uninsured drivers. Remember, it is too late to raise coverage for an accident after you are involved in it. Insurance agents and brokers do not stress this coverage because it is relatively cheap and they do not make much money from selling it. Don’t be fooled or wait! You can raise your insurance now, you do not have to wait.  Raise your UM/UIM Coverage today! Protect yourself and your family.  Call us if you have any questions!

We will be happy to review your insurance policy and explain to you what insurance you should have, what you do have, and why. You cannot change insurance after you get hurt, you must do it NOW! We handle these cases on a daily basis and have done so for close to 40 years.  We know the exact ways to protect you and get you the benefits you deserve.  Check out our FAQ section about this type of coverage here.  Call us at 856-665-5709 and visit us at www.ciecka.com. Chat with us live on our website, and sign up for our newsletter

1 – http://www.iii.org/fact-statistic/uninsured-motorists

2 – http://www.state.nj.us/dobi/division_consumers/insurance/saip.htm

3 – http://www.autoinsurance.org/how-many-drivers-dont-have-auto-insurance/

If you are hurt and need help, contact us immediately so we can go to work for you.  We help injured people get compensation and medical treatment so they can get back to health and their daily activities without having to deal with the insurance companies.