Morris, Downing, Sherred LLP

Sussex County Personal Injury Attorneys | Family Law Lawyers Newton NJ

973-383-2700 800-FYI-2700
(800-394-2700)
  • Home
  • Attorneys
  • Areas of Law
    • Personal Injury
    • Employment Law
    • Medical Malpractice
    • Workers’ Compensation
    • Divorce Mediation & Arbitration
    • Family Law
    • Real Estate
    • DUI & Traffic Violations
    • Estates & Trusts
    • Zoning & Land Use
    • Business Law
    • Commercial Litigation
    • Environmental Law
  • Testimonials
  • Articles
  • Blog
  • Contact
  • Home
  • Attorneys
  • Areas of Law
    • Personal Injury
    • Employment Law
    • Medical Malpractice
    • Workers’ Compensation
    • Divorce Mediation & Arbitration
    • Family Law
    • Real Estate
    • DUI & Traffic Violations
    • Estates & Trusts
    • Zoning & Land Use
    • Business Law
    • Commercial Litigation
    • Environmental Law
  • Testimonials
  • Articles
  • Blog
  • Contact

What Are the Most Important Parts of Your Car Insurance Policy?

December 20, 2020 Morris, Downing, Sherred LLP

Most New Jersey drivers do not have nearly enough Uninsured (UM) and Underinsured (UIM) coverage. These coverages are for the injuries you or your family suffer when injured in a car crash caused by a driver with no insurance (UM) or a minimal amount of coverage (UIM).

You may buy UM and UIM coverage up to the limit of your liability coverage. We strongly recommend everyone carrying at least $500,000 UM/UIM single limit coverage (not split limit coverage), or as much as your insurance company will allow, to protect yourself and your loved ones should you ever be involved in a serious auto crash. The small additional premium is a very wise investment.

Also, consider umbrella coverage with much higher UM/UIM coverages available from some insurance companies.

Your choice of PIP coverage is also important. Make sure you DO NOT reduce the standard $250,000 medical coverage and make sure PIP is primary, not secondary coverage. Basic PIP comes with a wage loss benefit of $100 a week. Most of you earn more than that, so you must elect the option that matches your salary. The most you can get is $700 per week for 52 weeks or as long as the disability persists.

Finally, even though it’s expensive, please consider not choosing the “limitation on lawsuit” option.

We suggest you contact your insurance company promptly to make these changes.

Always feel free to call us at 800.FYI.2700 if you need help navigating these sometimes confusing choices. The consultation is free. We’re here for you, if you or your loved ones are ever involved in a serious car, bus, or truck crash.

Share Our Content

  • Click to share on Facebook (Opens in new window)
  • Click to share on Twitter (Opens in new window)
  • Click to share on LinkedIn (Opens in new window)

Filed Under: Uncategorized

Contact us for a free consultation.

  • This field is for validation purposes and should be left unchanged.

Small Town Attention, Big City Results

Follow Us on Social Media

We Would Love Your Feedback

Have something to share?
Facebook | Google My Business | Yelp

Morris, Downing & Sherred, LLP | 1 Main Street, P.O. Box 67 | Newton, NJ 07860
Toll Free: 800-394-2700 | Phone: 973-383-2700 | Fax: 973-383-3510

©2022 Morris, Downing & Sherred, LLP. All Rights Reserved. Disclaimer. Privacy Policy.