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GLOSSARY
Uninsured motorist coverage pays you if you are hurt, or your property is damaged, in an accident caused by a driver with no insurance, or in some cases a hit-and-run, subject to your policy. Underinsured motorist coverage can apply when the other driver has insurance, but not enough.
New Jersey requires uninsured motorist coverage at state minimums on most auto policies. It does not pay the uninsured driver.
EXAMPLE
Someone runs a light with no insurance and hits you. Your uninsured motorist coverage is how your own policy can respond for your injuries, up to your limit.
You cannot control whether the other driver bought a policy. Uninsured motorist coverage is how your policy stands in when they did not.
Matching this coverage to your liability limits is a common recommendation. An agent can show what New Jersey requires today and what a higher limit would cost.
FAQ
Yes, at state minimums on most auto policies, along with liability and PIP. Confirm current amounts with a licensed agent. They can change.
Uninsured motorist coverage is for losses caused by an uninsured or hit-and-run driver, not for a crash you caused. Your other coverages may still apply.
It can pay when the at-fault driver has insurance, but their limit is too small for your loss, up to the difference allowed by your policy. Ask your agent how yours is written.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.