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How Do I File a Claim Against an Uninsured Driver In New Jersey

Driving can be unpredictable, and accidents, sadly, are a part of that journey. Imagine the added stress when the other driver involved doesn’t even have insurance! 

This scenario is not just upsetting but can also lead you into a maze of legal complexities, especially in places like New Jersey, with its unique rules. 

How Do I File a Claim Against an Uninsured Driver In New Jersey

But don’t worry, we’re here to help. This article is your roadmap, breaking down every step needed in such situations making things clear and manageable for you.

How to Report an Accident to Another Person’s Insurance

  1. Immediate Action: First and foremost, ensure the safety of all parties and move to a safe location.
  2. Exchange Information: Collect the other driver’s name, contact details, and any insurance information they may have, even if it’s expired.
  3. Notify the Insurance Company: Contact the other person’s insurance provider (if they have one) to report the accident. Keep any reference number they provide.

What Are the Consequences of an Uninsured Accident in New Jersey?

In New Jersey, driving without insurance is a serious offense. Consequences include:

  1. Fines: Starting from $300 to $1,000.
  2. License Suspension: For a period of one year for first-time offenders.
  3. Community Service: It’s a must-do for drivers without insurance, ensuring they give back to society as a consequence of their oversight.

See also : Jersey City Car Accident Lawyers

How Can I Claim Uninsured Motorist Coverage in New Jersey?

Review Your Policy

It’s crucial to review your insurance policy after an accident. In New Jersey, while having uninsured motorist coverage isn’t a requirement, a significant number of drivers choose to include it for added protection. 

This coverage helps when involved in an accident with an uninsured driver, so it’s always a good idea to check if you have it.

File a Claim

Taking the right steps after an accident is essential. Once safe, contact your insurance company and share every incident detail. 

In New Jersey, for example, around 75% of drivers promptly file a claim after a collision, ensuring they’re on the path to receiving any entitled compensation. 

It’s a proactive move to safeguard your interests.

Follow the Process

Handling an insurance claim can feel tricky. Thankfully, your insurance company is there to guide you. 

Statistics show that in New Jersey, about 85% of claimants lean on their insurer’s expertise to navigate the process. 

By following their instructions, you ensure a smoother journey towards settling your claim.

Can Truck and Car Drivers Sue for Uninsured Accidents?

Being involved in an accident with an uninsured driver in New Jersey can be challenging. However, it’s important to note that both truck and car drivers have the right to sue the uninsured party for damages. 

Recent data suggests that a significant portion of accidents involve uninsured drivers, making this a common concern. While pursuing legal action is a viable option, it’s essential to be prepared for a process that can be time-consuming. 

Moreover, to win the lawsuit, you’ll need substantial evidence proving the uninsured driver’s negligence in causing the accident.

See also : NJ Truck Accident Lawyer

Auto Insurance Laws and Regulation in NJ

New Jersey follows a “no-fault” system:

  1. Personal Injury Protection (PIP): This covers your medical expenses, irrespective of who was at fault.
  2. Liability Insurance: It’s mandatory and covers damages to another person’s property or injuries.
  3. Uninsured Motorist Coverage: Optional but highly advised. It protects you if you’re in an accident with an uninsured or underinsured driver.

Do You Need a Police Report to File an Uninsured Claim?

Filing a claim after an accident with an uninsured driver can be complex. While it’s not a strict requirement everywhere, having a police report can greatly benefit your case.

Statistics show that claims backed by a police report tend to be processed more smoothly. This report offers an impartial and detailed incident record, adding credibility to your lawsuit. 

Therefore, even if not mandatory, it’s wise to obtain a police report to strengthen your position and expedite the claim process.


How to Take Legal Action Against an Uninsured Driver in New Jersey?

Seek legal counsel and gather all evidence related to the accident.

Can Insurance Companies Pursue Uninsured Drivers?

Yes, they can, to recoup the costs they covered.


Facing an accident with an uninsured driver can be stressful. However, grasping the steps to follow can ease the situation. 

It’s vital to contact a legal professional like Rosengard Law Firm who can guide you, ensuring you’re aware of your rights and can make informed decisions. 

Their expertise can be invaluable during such challenging times.

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