Delaney Simchuk, Car Insurance Writer
Uninsured motorist insurance in New Jersey covers your expenses after an accident caused by a driver who does not have car insurance. In New Jersey, uninsured motorist insurance (UM) also includes underinsured motorist insurance (UIM), so you are covered for accidents with drivers who have some insurance but not enough. UM/UIM insurance is only applicable if you are not at fault and will only pay up to your policy’s limits.
New Jersey does not require uninsured motorist coverage, but it can still be a useful type of coverage to have. If you do not have personal injury protection or MedPay to cover your own medical costs, or if you do not have collision or comprehensive insurance to cover damage to your property, uninsured motorist coverage can help keep your finances safe if you’re hit by an uninsured or underinsured driver.
What Uninsured Motorist Insurance Covers in New Jersey
- Medical expenses for you and your passengers
- Damage to your vehicle or your other property
- Loss of income
- Funeral expenses
- Accidents with drivers who do not have enough coverage (underinsured)
To learn more, check out WalletHub’s guide to uninsured motorist coverage.
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