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
    • Medical Malpractice
    • Family Law
    • Real Estate
    • Personal Injury
    • Employment Law / Wrongful Termination
    • DUI & Traffic Violations
    • Workers’ Compensation
    • Estate Planning & Administration
    • Zoning & Land Use
    • Business & Corporate Law
    • Commercial & Complex Litigation
    • Environmental Law & Litigation
  • Testimonials
  • Articles
  • Blog
  • Contact
  • Home
  • Attorneys
  • Areas of Law
    • Medical Malpractice
    • Family Law
    • Real Estate
    • Personal Injury
    • Employment Law / Wrongful Termination
    • DUI & Traffic Violations
    • Workers’ Compensation
    • Estate Planning & Administration
    • Zoning & Land Use
    • Business & Corporate Law
    • Commercial & Complex Litigation
    • Environmental Law & Litigation
  • Testimonials
  • Articles
  • Blog
  • Contact

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

February 12, 2021 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

Questions? Email Our Legal Team

  • Disclaimer Text
    Privacy Policy Text
  • This field is for validation purposes and should be left unchanged.

Recents Blog Posts

  • What Are the Most Important Portions of Your Car Insurance Policy?
  • What if I get in an accident during my job?
  • What should I do If I am the victim of an accident and the responsible parties’ insurance carrier wants to talk to me?
  • What kinds of accidents are covered by my auto policy?
  • What kind of insurance will cover personal injuries suffered from an accident?

Blog Categories

  • Alimony
  • Animal Bites
  • Car Accidents
  • Car Insurance
  • Child Custody
  • Child Injury
  • Child Support
  • Cohabitation
  • Divorce
  • Domestic Violence
  • Employment Contracts
  • Employment Law
  • estate planning
  • Family Law
  • holographic will
  • living trust
  • living will
  • Marital Settlement Agreement
  • Motorcycle Accident
  • Non-Compete Agreement
  • Nursing Home Neglect
  • Pedestrian Accidents
  • Personal Injury
  • power of attorney
  • Products Liability
  • Property Division
  • Same-Sex Couples
  • Severance Agreements
  • Sexual Harrassment
  • Slip-and-Fall Accidents
  • Spinal Cord Injuries
  • Texting-and-Driving Accidents
  • Truck Accidents
  • Uncategorized
  • will contests
  • wills
  • Workers' Compensation
  • Wrongful Termination

Search Content

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 | Newton, NJ 07860
Toll Free: 800-394-2700 | Phone: 973-383-2700 | Fax: 973-383-3510

©2021 Morris, Downing & Sherred, LLP. All Rights Reserved. Disclaimer. Privacy Policy.