Dealing with the aftermath of a car accident is typically a stressful process, especially if you sustained injuries. Many people expect that the other driver’s car insurance will cover their losses, but this is not always the case. Not all drivers are insured. Many more are inadequately insured. Thus, when an accident occurs, complex insurance issues may arise.
No matter your situation, uninsured and underinsured motorist claims can be frustrating. Every insurance company has a duty to handle claims in good faith. In some cases, insurance companies will take an overly adversarial approach to your claim and look for ways out of compensating you for your injuries.
To make an uninsured/underinsured motorist claim, it is highly advisable to contact a skilled Camden County uninsured/underinsured motorist accident lawyer who can help you build a claim. An aggressive car accident attorney can advocate for your rights to compensation.
The Difference Between Uninsured and Underinsured in Camden County
According to data gathered by the Insurance Information Institute, 14.9 percent of New Jersey residents were uninsured in 2015. Uninsured and Underinsured motorist coverage are two different types of insurance protection. Many times, they are grouped together because they both protect policyholders in cases where collisions occur and drivers are not adequately insured.
New Jersey requires that drivers carry Uninsured Motorist Coverage with minimum coverage amounts. These amounts include:
- $15,000 for injuries suffered by one person in an accident
- $30,000 for injuries suffered by all parties injured
- $5,000 for property damage caused in an accident
Underinsured motorist coverage, on the other hand, can pay for damages if the driver did not have enough insurance to cover the claim. New Jersey has instituted a program known as the Special Automobile Insurance Policy (SAIP) that allows drivers to purchase car insurance at a low price but offers less protection than a standard policy. SAIP may cover property damages and personal injury for the driver but may not protect him or her from claims that arise following an accident. Drivers covered by SAIP might not be able to pay the full cost of damages. This is known as an underinsured driver. Anyone with questions about these insurance policies should consult a Camden County uninsured/underinsured motorist accident lawyer.
The Technicalities of Insurance Claims
In many uninsured/underinsured personal injury cases, the insurance company makes the final decision in a settlement. Nearly every insurance contract contains an implied covenant of good faith and fair dealing. However, insurance companies can deny claims and may do so without providing a reason.
Insurance companies that refuse to pay or defend a claim in bad faith may be held accountable for their actions. Some examples of an insurance company’s bad faith include:
- Failing to properly investigate a claim
- Denying a claim without asserting a reasonable basis
- Using deceptive practices to deny compensation
- Misrepresenting the terms of coverage
- Offering a low amount insufficient to compensate for injuries sustained
First-party bad faith claims against insurance companies are generally brought by policyholders who suffered a personal injury. If the driver who caused the auto accident was uninsured, the victim may be able to file an uninsured motorist claim or lawsuit against their insurance company, to compensate for medical expenses and other damages.
Asking a Camden County Uninsured/Underinsured Motorist Accident Attorney
Those involved in uninsured/underinsured auto accidents face a variety of questions and concerns. A knowledgeable Camden County uninsured/underinsured motorist accident lawyer can help determine whether you can seek compensation for your injuries and address a range of complicated matters in uninsured and underinsured motorist accident cases. Call today to set up a free consultation.
Testimonials
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This team is incredible. They are friendly and knowledgeable. I appreciate everything they have done for me and would recommend them to anyone. Overall great experience
Testimonial from Paul D. -
My case settled recently after lasting 4 years. Grungo and Colarulo’s law firm were able to secure a large settlement award for my slip and fall accident. This money will help secure my future for the permanent injury I received as a result of the slip and fall. Everyone was very caring, and kept me informed throughout the entire process. Christine Lafferty is an excellent litigation lawyer. I highly recommend using them if you have been injured or in an accident. I hope I am never in a situation again to need their services, but I know who to go to if I, or any of my family members are ever injured. Thanks Grungo and Colarulo and staff for your compassionate service!
Testimonial from Pamela A. -
Thank you so much Grungo and Colarulo for helping me with my case. Special thanks to Erica Domingo, Esquire and her team. Erica Domingo and her team was very nice and helped me tremendously throughout my case like more than one year and half. They gave me the right advice and guided me through every step of my case. They gave me prompt and clear responses to all my questions. In addition, Erica and her team provided me with all the what if scenarios so that I can have a clear vison of the steps ahead.
I would definitely recommend Grungo and Colarulo.
Thanks again Erica Domingo, Esquire and her team
Testimonial from Ahmed A. -
My wife and I reached out to Grungo Colarulo in 2020 for advise on a legal matter. After a meeting with the Attorney and Paralegal, we decided to go forward with a case. This case required a lot of documentation, and expert review of the documentation which was aquired. Throughout the process, we were kept up to date monthly, and Grungo Colarulo was always responsive to any questions that we had. The entire staff at Grungo Colarulo are very professional, caring, and willing to go the extra mile. This firm is a definite recommend!
Testimonial from Patrick G. -
I left five (5) stars only because that’s as many as I could leave. If I could, I would have left 100 stars. Bob & Christine are the absolute best! My settlement far exceeded what I ever imagined. They are professional, friendly, and really listened to what I had to say. They kept me up to date with the progress of my case every step of the way. I can’t recommend them highly enough.
Testimonial from Sheila L. -
Very professional, communicates well, makes me feel like they have my best interest at heart, and overall just a great company. Christine and the whole team has been on top of everything. Would definitely recommend!! 10/10
Testimonial from Michael M. -
First and foremost I would like to thank the whole team at Grungo Colarulo!! In addition to that, Stephanie & Riley & Drenna have done such an outstanding job taking care of me in such a difficult and low point of my life. I was in a bad car accident & did not know how to move forward with what to do and how to process. Those ladies were there every step, every inch, every mile & beyond with helping me when I had no idea how to navigate. I will forever be thankful for them and for the outcome of my case! If you ever need assistance I highly recommend this practice!!! Beyond professional, helpful, precise, caring, knowledgeable & humble!!!
Testimonial from Rachel F. -
From my first phone call to the end of my case this firm was on the ball!! Always responsive and professional and kept me up to date and informed. This is my firm for any future needs!
Testimonial from Jeffrey F. -
This was my first time ever having to have a lawyer for an automobile accident. From the beginning they took care of everything. They put me at ease so I could concentrate on my medical needs. Everyone I spoke to during the process were always extremely pleasant and knowledgeable.
Thank you to Grungo Colarulo for representing me and getting the settlement you did to help me move forward. I would highly recommend Grungo Colarulo to anyone who wants outstanding legal representation.Testimonial from Pat G. -
This team has been nothing but gentle an generous. Being as this was my first time dealing with a worker’s compensation case I was lost and nervous. But the Grungo Colarulo team has made me feel as comfortable as possible. My needs were addressed with care in a timely fashion. I knew what was going on every step of the way.
Oh, did I mention, WE WON …This teams knowledge of the industry is TOP NOTCH!
Testimonial from Aminah M. -
A dear family friend referred us to a young attorney named Rich Grungo, Jr. We wanted answers and if necessary, justice for our father. From day one of a five-year journey, Mr. Rich Grungo, Jr. made our family and our pain his own. The man never stopped working for us. He kept us informed every step of the way. Questions were answered quickly and with great compassion and expertise. Even though Rich was always busy, he was never too busy for us. We always felt like we were his only clients
Testimonial from Mickey -
I had the opportunity to observe Mr. Grungo work in this case, both in the courtroom on the technical matters of the motions and also as his presentation to the jury in opening and presenting witnesses as well as utilizing animations… and drawings and films that were necessary for a proper understanding of the case…At all times during the presentation, Mr. Grungo operated mostly without notes and questioned the witnesses in a conversational manner which made it most effective. **
New Jersey Superior Court Judge Testimonial -
Thank you for everything. I honestly felt like you treated my son like he was your own son, for that I am grateful. I would recommend your services to anyone. Thanks for being so awesome to both of us.
Testimonial from HD -
It was a pleasure working with Bill. He constantly kept me informed. I would recommend Bill and his firm to anybody I know. They’ll be in good hands.
Testimonial from Gregory -
I had the opportunity to retain Mr. Colarulo for a vehicle accident I encountered. I give him my highest recommendation for anyone in need of an excellent Personal Injury Attorney. Not only does he have an in depth knowledge of the legal field, but he emanates a sense of trust-worthiness that makes you feel secure during the entire process. Mr. Colarulo has the knowledge, drive and enthusiasm that will get the job done for you. He comes highly recommended.
Testimonial from Denise -
Hi Rich, Well I’m on my way up to college to finish packing my son’s stuff up and to go to his Graduation tomorrow. It’s hard to believe how fast and how slow, at the same time 5 years can go by. I was just thinking of you as I am getting ready to leave and wanted to thank you once again for everything you have done for my son’s future. You are a good and just man. God Bless to you and your family.
Be Well,
Testimonial from Bob
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