No one ever plans on being in an accident. This is why you want to make sure you have the best NJ High Risk Auto Insurance. But what happens if other drivers aren’t as careful about having the coverage they should be carrying?

While you want to believe that other drivers are following the law and carrying proper insurance coverage, this is not always the case. As the economy declines and more people are falling onto hard times, unfortunately car insurance is one of those things that end up being put on the back burner. They feel that they will never be in an accident so they can put off that payment for a few months until they can get back on their feet. The problem is that if you then are involved in an accident with them, they don’t have insurance to cover the repair and medical costs even if the accident is their fault. This is where Uninsured Motorist Coverage comes in.

Uninsured motorists are drivers that do not have any car insurance or who’s insurance company denied the claim. When you are involved in an accident with these drivers, your insurance kicks in and helps covers costs of medical and vehicle repair. Uninsured motorist coverage also applies to hit and run incidents.

Underinsured rivers are drivers that do not carry enough insurance to cover medical and repair costs Underinsured coverage kicks in when the other drivers insurance wont cover your total costs. This means that their insurance will cover up to their required limit and your insurance will cover the difference.

Most states do not require uninsured motorist coverage along with their basic collision coverage on your vehicle. It is however highly recommended so that in the event of an accident with an uninsured motorist, you are covered and able to financially get back on your feet.

At Connell Insurance Agency, we know how important it is to make sure that you and your family are financially secure in the event of an accident with an uninsured motorist. Call us today to learn more about our policies and how we can help you get back on your feet. 888.590.0715