While both Pennsylvania and New Jersey have laws that require all drivers to carry insurance, some drivers ignore those laws. While an uninsured driver still has liability for victims sustaining injuries in the crash, many uninsured drivers do not have assets to recover. Even if the driver has some insurance, the coverage limits may not be enough to cover your full claim.
Drivers that have uninsured or underinsured motorist coverage may be entitled to compensation from their own insurance company if the other driver’s insurance isn’t adequate to pay you whole claim. In some situations, the driver might also have coverage through a family member or their employer.
A car accident lawyer can handle complex uninsured and underinsured motorist claims that involve multiple insurance companies. Consult a car accident lawyer prior to accepting a settlement from an insurance company to help understand the legal implications and see if you are getting the best possible outcome for your claim.