WHAT IS UNINSURED MOTORIST COVERAGE?       Even though the law requires the owner of every automobile registered in New Jersey to purchase an insurance policy, some people do not purchase insurance. What happens if you are injured in an accident that was caused by the driver of an uninsured automobile?      Your automobile insurance policy includes an endorsement for uninsured motorist coverage. This means that your own company will pay any monetary damages that you would have been legally entitled to recover from the uninsured driver -- up to your own policy limit.

     The law of the State of New Jersey requires you to purchase uninsured motorist coverage with minimum limits of $15,000 per person/$30,000 per accident. Your insurance company is required to offer you uninsured motorist coverage with limits up to $250,000 per person/$500,000 per accident or $500,000 single limit (but not to exceed your liability limits).

     The minimum uninsured motorists limits of $15,000 per person/$30,000 per accident are inadequate to protect you and your family if someone is injured in an accident with an uninsured driver. Most people are insured with limits of $100,000 per person/$300,000 per accident. I recommend that you purchase the maximum coverage of $500,000 single limits.