New Jersey law requires all drivers to obtain car insurance. However, these policies are designed to only pay for losses to property and the injuries suffered by the policyholders. There is no requirement in the State of New Jersey to buy car insurance that protects the holder from paying for personal injuries inflicted on others.
Because of this, many individuals involved in car accidents are unable to demand compensation for an injury from an at-fault driver’s insurance company. In other situations, the at-fault driver does have bodily injury coverage, but it is inadequate to cover the losses endured by the plaintiff.
A Cumberland County uninsured/underinsured motorist accident lawyer can help when you are injured in an accident and the at-fault driver has inadequate insurance. A skilled attorney can work to examine all potential sources of compensation to get the compensation you need to pay for your damage.
Insurance Requirements in Cumberland County
Like most states, New Jersey requires their drivers to obtain some form of car insurance. However, the standards for these policies are very low. At a minimum, a car insurance policy must provide $5,000 in property damage liability and $15,000 in personal injury protection.
It is vital to understand that these policies provide no protection for anyone else involved in an accident with the policyholder. When this happens, an injured individual must find another way to collect compensation.
Of course, it is possible to obtain an insurance policy that does provide protection when a driver is at-fault in an accident that causes an injury. When this is the case, the personal injury claim can demand compensation directly from the at-fault driver’s insurance company.
Collecting Damages when the At-Fault Driver is Underinsured
However, as discussed above, many New Jersey car insurance policies do not cover this sort of loss. When this is the case, the injured driver may make a claim on his or her own insurance policy.
Of course, this only applies if your insurance policy provides this sort of protection. This will be listed in the policy as uninsured/underinsured protection. This protection is designed specifically to provide compensation for personal injury if the policyholder is involved in an accident with a driver who has inadequate insurance to pay the claim. However, as noted above, not all New Jersey car insurance policies are required to provide this coverage. If you were injured in a car accident, you should be familiar with your policy before making this type of claim.
The last way to collect compensation is to take the case directly to court. Insurance payments are supposed to provide compensation for any losses and prevent the need to file a lawsuit. However, when that insurance does not exist or is inadequate to cover the losses, you can take the defendant to court. While this may be a risky proposition, it may be some plaintiffs’ only means to collect damages. A Cumberland County uninsured/underinsured motorist accident lawyer could help to determine your best chance of collecting the compensation you need following an accident.
Let a Cumberland County Uninsured/Underinsured Motorist Accident Attorney Fight for You
New Jersey’s car insurance laws are a complex combination of minimum requirements and optional coverages. In some cases, a policy will not provide any protection for bodily injuries caused by an at-fault motorist. In others, the protection provided is inadequate to cover your losses. Whenever this is the case, you need to examine alternate routes to collect compensation.
No matter which route you choose, a Cumberland County uninsured/underinsured motorist accident lawyer is ready to help you. Call us today to learn how you can get the compensation you deserve.
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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