If you have the misfortune of being involved in a car collision, it can sometimes be comforting to know that car insurance coverage, whether it is your own or the other driver’s, can help pay for medical treatment and property damage. However, in cases where the other driver does not have car insurance, you might find yourself in a difficult situation.
Moreover, insurance companies may be of little help when you file your claim. Even though you are filing a first-party claim with your own insurance that you pay premiums to, your insurance carrier might deny your claim without giving a reason.
A reliable New Jersey uninsured/underinsured motorist accident lawyer can help put your insurance company on notice that you are prepared to take advantage of all your legal rights if your claim is not handled properly. Speak to a dedicated attorney about fighting for the compensation you deserve.
New Jersey law requires Uninsured Motorist Coverage (UM) for every car insurance policy as well as an option for purchasing Underinsured Motorist Coverage (UIM). Both UM and UIM enable drivers who have been involved in an auto accident to file a claim with their own insurance company.
UM and UIM is an optional coverage and can range anywhere from $15,000 to $250,000 per person and $500,000 per accident (excess/umbrella policies can also provide additional UM/UIM coverage). The limits generally match the recipient’s liability coverage and place a cap on how much coverage someone can expect to receive from the insurance company.
For instance, if a driver is hit by an uninsured motorist, the driver who was hit can file a claim for damages, but the claim will not exceed the limits of the insurance policy. On the other hand, if a driver was involved in an accident with an underinsured motorist, the driver who was hit can file a claim against the underinsured motorist for the maximum amount the policy allows.
In many cases, insurance companies will try to get out of paying for damages. While UMC and UIM may sound promising in terms of financial recovery, there is no guarantee that the claim will be approved. Both types of coverages can create situations known as bad faith. Insurance bad faith is largely considered to be deceitful dealing and encompasses a wide array of practices by insurance companies. Insurance companies should provide a reason for claim denials. However, there are certain cases where a valid claim is denied without a valid reason.
When it comes to approving requests for medical treatments, insurance companies are highly aware that time is of the essence. If a physician or medical specialist has prescribed care that is necessary to treat a medical condition caused by the accident, the insurance company is responsible to act on that request within a reasonable amount of time.
Some insurance companies will unreasonably delay or deny a claim just to simply get out of paying the policyholder. It is not unusual for an insurance company to preserve and promote profitability at the expense of conscientious care. For help determining whether an insurance company’s actions amount to bad faith, speak with a New Jersey uninsured/underinsured motorist accident lawyer.
Filing an insurance claim after an auto accident can be a difficult process, and it is only more complicated if the driver was uninsured or underinsured. While you may have the option to pursue a first-party claim with your insurance company, there is a possibility of being denied.
A knowledgeable New Jersey uninsured/underinsured motorist accident lawyer can help you understand the claims process and can fight to obtain the compensation that you are entitled to. Call today for a free consultation.
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
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!
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
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!
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.
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
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!!!
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!
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.
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!
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
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. **
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.
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.
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.
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.