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Why Should You Carry UM/UIM Insurance?

Because insurance contracts tend to be complicated and expensive, many people approach auto insurance shopping with one goal in mind — paying as little as possible. Unfortunately, they often misunderstand what their coverage actually provides and overlook products that can give them the protection they want. For example, no matter how high your liability coverage limits, you remain unprotected if you are injured by the negligence of another driver.

New Jersey law requires every driver to have at least a certain amount of insurance coverage:

  • $15,000 per person and $30,000 per incident for personal injury liability protection
  • $5,000 per incident for property damage liability protection
  • $15,000 per accident for personal injury protection (PIP)

Medical bills and other expenses quickly mount, and PIP benefits rarely suffice for serious or even moderate injuries. If the driver who caused your accident has minimum coverage — or worse, no insurance at all — your ability to obtain compensation may be seriously limited, no matter how strong your case or serious your injuries.

Fortunately, New Jersey insurance companies are required to offer the option of uninsured motorist/underinsured motorist (UM/UIM) coverage up to your own liability limits. UM steps in and compensates you if you are injured by an uninsured motorist. UIM steps in if the at-fault party has insurance, but your damages exceed the person’s liability limits and other available coverage.

While UM/UIM coverage does cost extra, it is money well-spent if you are injured in an accident, especially as more people in New Jersey risk minimum coverage or forgo insurance entirely. If you have been injured in an auto accident, a personal injury attorney from our firm can carefully review your policy to see if you have purchased UM/UIM coverage, are covered under another involved policy or otherwise qualify for UM/UIM protection under the law.

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VERDICTS & SETTLEMENTS
  • $7,900,000

    Recovery on behalf of the 16-year-old girl injured by electrical malfunction

  • $8,000,000

    Jury verdict in a catastrophic injury case

  • $1,100,000

    Settlement for a fractured arm in Passaic County

  • $4,775,000

    Settlement for a woman in Bergen County injured in a trucking accident

Meet Our Attorneys


  • (61 Reviews)

    By Teresa R Perez - January, 2018

    I have had a great experience thus far. The personal injury process is stressful and they have been helpful and courteous in getting me the right referrals. I was injured while visiting NJ and live in another state, my case is not an easy one but they are working diligently to help. I appreciate the personalized attention and highly recommend this firm.

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  • (61 Reviews)

    By Miriam Smith-Leone - December, 2017

    The law office was great with my back and neck injury. They directed me to the right doctors and got me a huge settlement. Being a single mom, it help pay off all my debt and bills. Me and my kids can have a bill free christmas, with plenty of food and happiness, stress free. They are the best ever and I would highly recommend them to anyone rich or poor, who has been in an accident and need legal help...

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  • (61 Reviews)

    By L C - October, 2017

    After the misfortune of suffering an injury, I had the good fortune to choose Seigel Law to represent me. During my initial meeting with Jan Seigel, I found him to be extremely confident and reassuring---he totally put me at ease. I was represented by Mark Mc Bratney---an EXCELLENT attorney. He was supportive and professional through the entire process, and provided an excellent outcome for my case.

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  • (61 Reviews)

    By Liliana Paredes - October, 2017

    Honest, trustworthy and very straight forward. In unvarnished truth Jonas Siegel will tell you exactly where you stand and what direction you should go. Jonas has tenacity coupled with a degree of tenderness, but never losing site of the end goal, which is to protect, defend and have the best outcome for his clients. I defenetly recoment this law firm. Thanks for helping me out in my case.

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  • (61 Reviews)

    By Oren Goldshmidt - September, 2017

    I'd like to thank everyone at segal law for the amazing experience they provided me. From the moment I stepped in to the end of the case , segal and his team delivered exactly what they promised. I couldn't have received any better treatment from a law firm. Any concerns, questions or problems I had were addressed and dealt with accordingly...

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What we offer our clients


Knowledge

Personal injury and medical knowledge

Our knowledgeable team of personal injury lawyers includes a medical doctor who advises on complex medical topics

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One-on-one attorney attention

By maintaining a limited number of cases, our attorneys can provide personalized attention to each client we serve

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Results-oriented strategies

Our lawyers have won numerous high verdicts and settlements, many in the high six- and seven-figure range, for our injured clients

Trial_Experience

Trial experience

Every trial attorney in our firm is a certified trial attorney by the New Jersey Supreme Court

Communication

Communication as a priority

We understand how important communication is to a successful attorney-client relationship, we return calls within 24 hours

Community

Community involvement

Our lawyers and staff are active in community outreach and community service programs

Testimonials
  • "The lawyers at Seigel Law know how to get you the results you want. Jan Seigel and His team returned every one of my phone calls, listened to me and worked with me to a desirable outcome. Seigel Law definitely goes above and beyond to protect the injured." - B.M.

  • "After my car accident, my life turned into a disaster. Dealing with everything became impossible. Jan Seigel and his people helped me with every aspect of my injuries and the insurance companies so I could focus on healing. They helped me through everything and they got me what I was due." - M.P.

  • "I found the personnel to be very efficient, and work very quickly. I'm happy that I was referred to this firm, because I found that I was very comfortable working with them." - F.V.

  • "Amazing. I have to say they were very supportive and were able to give me tons of information. I didn't feel rushed and felt they truly cared about my well-being. Their website is also extremely helpful and well setup." - T.D.

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