Many car drivers and passengers are injured every day. Oftentimes, injured car accident victims bring a lawsuit against the negligent driver to recover damages for the injuries sustained. Sometimes, the negligent driver’s car insurance liability coverage is sufficient to cover the injured victim’s damages. Other times, it is not. This often happens when there are numerous car accident victims in a single car accident.
Just this past Sunday, there was a serious car accident with multiple injured passengers. On August 25, 2013, an elderly woman, a pregnant woman and a child were tragically killed in a car accident in Jefferson Township, New Jersey. The accident also injured 6 others. *Source: www.nj.com
According to a news report, the SUV swerved and left the roadway before overturning and ejecting several passengers. The driver tried to pass another vehicle and he lost control of his SUV. He also told the police that he and his passengers attended a family gathering that day and were on their way home. He also admitted that he had been drinking beer for most of the day.
In a tragic case like this where there are multiple injured victims and fatalities, the driver’s car insurance liability coverage is probably not enough to compensate the victims. The injured car accident victims’ underinsured motorist coverage (UIM) becomes very important.
When the negligent driver’s liability coverage does not sufficiently compensate the victim’s injuries, a UIM claim can be filed. UIM coverage provides a source of recoverable insurance benefits in situations in which an individual is injured due to the negligence of another driver, and that negligent driver's insurance coverage is inadequate to fully compensate the injured individual.
If the driver had $100,000/$300,000 in liability coverage, meaning the insurance company would pay an injured victim up to $100,000 and $300,000 for all victims in a car accident, that is not going to be enough to compensate all the seriously injured victims and the families of the deceased. The victims would then file a UIM claim pursuant to their applicable car insurance policy.
If you or a loved one was injured in a car accident in New Jersey and may need to file a UIM claim, feel free to contact the NJ car accident lawyers at White and Williams LLP. Dan O’Brien and his team have helped numerous car accident victims successfully recover from the negligent drivers and recover in a UIM claim. For a free no obligation consultation, call 877.944.8396.