If you are injured in a car accident by an uninsured driver, what can you do? This video will introduce you to the basics of uninsured motorist coverage and explain how it can help protect you in the event of an accident. Attorney Herbert F. Lawrence discusses your options if you are hit by an uninsured driver and how to make sure you are fully protected.

Types of Insurance Coverages and Claims for Personal Injury

The Personal Injury Protection Law was drafted to safeguard the right to treatment for anyone who suffered an injury and whose quality of life is being seriously affected by it. A state of no-fault is prevalent in New Jersey. All drivers are mandated to carry personal injury protection (PIP) insurance.

Regardless of who was at blame for the incident, wounded drivers will claim restitution from their own PIP insurance coverage after an auto accident. The driver’s damages in a first- party claim are covered by personal injury protection, sometimes referred to as “no-fault” insurance. Finding out more regarding personal injury protection insurance might make the claims procedure after a collision in New Jersey easier for you to handle.

Herbert Lawrence, a reputed Personal Injury Attorney in New Jersey, breaks some of the commonly mistaken stereotypes in a talk with Michael Levitis of JurisQ Legal Network.

What does PIP Insurance cover?

Your Personal Injury Coverage is broadly defined into three types of expenses: Medical, Economic, and Death Benefits. As per the legal outline, PIP Law covers the following:

Medical Costs

• Medical services and medication
• Surgical services and hospital expenses
• Rehabilitative costs
• Diagnostic services
• Ambulatory servicesLoss of Wages and Essential Services BenefitsPersonal Injury insurance covers for any kind of lost wages that you suffer as a result of your inability to work. The doctor, however, must verify that your inability indeed is liable by the party you’re suing.Death BenefitsThe driver’s next of kin may be eligible for the maximum settlement for lost wages and necessary services if they pass away in an automobile accident.
  The relative is eligible for up to $1,000 in funeral expenses and will need to submit proof of death but not income.

Important Things to Remember before Claiming a Personal Injury Insurance

• –  Get Timely Legal Assistance
  It’ crucial that you involve your personal injury attorney as soon as possible into the picture (once you are done with hospital or a doctor visit, of course). The attorney needs to look into the claim as soon as possible while the details are still fresh and everything is still in order.When you trip and fall in a complete accident and believe that it was someone else’s fault. You need to consult an attorney immediately so their photographer can document the scene immediately. The longer you wait, the more likely it is that the property’s owner will fix the situation.
• –  It’s the Insurance Company you’re really after.
  While the individual driver or the car owner might not have the funds to sponsor your claims, it’s the deep pocketed insurance companies that eventually cover for your expenses. Mainly there are two types of insurance coverages that are available for you:Uninsured Motorist Coverage:This type of insurance coverage protects you if you are injured in an accident and the driver has no auto insurance.Underinsured Motorist Coverage:This type of insurance is commonly offered together with uninsured motorist coverage. It offers financial protection if you’re hit by a driver who doesn’t have sufficient coverage to pay for the damages they caused.Both insurance policies are highly recommended for all drivers and are required in several states. You may make a claim against your uninsured driver insurance if you are hurt in a hit-and-run.
• –  Expert opinion
  When asked of his personal opinion against the significance of this type of coverage here’s what Herbert had to say,” I personally have a million dollars worth of coverage. And I also have that million dollars in Uninsured Motorist coverage so that my family and myself are covered, should there be an uninsured vehicle that is at fault injuries, either myself, or my wife, and we have a source to at least tap to pay whatever injuries have been sustained. And I suggest that people do that as well, because the cost of it is not really that much. And you would be surprised at how little and the problem is that

people don’t understand what that coverage is. And the insurance company doesn’t tell you unless you ask.”

You may be involved in a motor vehicle accident situation where you are required to contact a personal injury attorney; background knowledge helps you leverage your legal rights. For more information, check out the full interview by Michael Levitis with an experienced car accidents attorney Herbert F. Lawrence.