It is a nightmare scenario. You’re driving your family to the Jersey Shore for vacation when another driver slams into your car — critically injuring your child. In the days that follow, you learn that your child will need years of physical therapy, and the driver who caused the accident has no insurance. Then the worst part: your auto insurance may not cover the loss your child has, and will continue, to suffer.
Stories like this are all too familiar to leading New Jersey Personal Injury Attorney Mike Mumola. He says that it is imperative that drivers know how much UM (uninsured motorist) and UIM (underinsured motorist) coverage they have on their policies.
“The wrong time to find out,” says Mumola, “is after the accidient. Uninsured and underinsured motorist coverage is extremely affordable, and is worth every penny. It is not easy to put your life back together after someone almost takes it from you, but this helps relieve the financial burden.”
Mumola says that $500,000 worth of UM/UIM coverage can be added to many auto insurance policies for just a few dollars a month. The key, says Mumola, is asking.
“If you don’t know how much uninsured or underinsured motorist coverage you have, you probably don’t have enough.”
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Thursday, January 28, 2010
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