Uninsured Driver Accidents

Driving without insurance is illegal in New Jersey, but if you don’t have it and get into an accident, you need representation from an uninsured driver lawyer to help you reduce the number of penalties and/or amount of jail time you may receive. If you’re a motorist who gets into an accident with an uninsured driver, you definitely want to take advantage of the skills of an uninsured accident attorney to ensure you get all the compensation you’re entitled to. Call RAM Law when you’re on either side for the most effective representation.

What Do I Need to Know about Underinsured and Uninsured Driver’s Accidents?

Being involved in a car accident is never easy, and not having auto insurance can make things exponentially more difficult. The majority of states list driving without insurance as an offense against the law and have minimum insurance coverage requirements — and that includes New Jersey. If you’re caught driving without insurance, you may be subject to penalties or even jail time, regardless of whether you’re at fault in a collision. In addition, there could be other expenses, challenges and repercussions associated with not having auto insurance, such as:

• License suspension. Driving without insurance typically results in license suspension. Should you have previously been detected operating a vehicle without insurance, your license may be permanently suspended.
• Impounding your car. If you were driving without insurance, the responding police officer may decide to tow your car.
• Should you be found guilty of driving without insurance, you can be required to pay a fine.
• Prison sentence. Although a single infraction usually keeps you out of jail, if you get in an accident and have repeated instances of driving without insurance, you get jail time if you don’t have a good uninsured accident attorney.

If you’ve been involved in a traffic accident with any type of vehicle, especially if you’re uninsured, whether or not you’ve been injured, your uninsured driver lawyer handles legal issues, such as:

• State no-fault laws
• What to do after an accident if I you don’t have insurance
• Whether you need representation if you’re uninsured and get into an accident

To ensure that you receive any compensation you may be due while receiving the least number of repercussions, you can rely on the car accident attorneys at RAM Law in New Jersey for the best advice and representation.

What Should I Do after an Accident if I Don’t Have Insurance?

Stopping and remaining at the accident scene until you’ve taken the appropriate action is the best thing to do after an accident. Being charged with a hit-and-run accident only compounds your trouble. Driving without insurance has repercussions, but they’re insignificant as compared to the legal ramifications that can arise from fleeing the scene of an accident without satisfying your post-crash obligations, particularly if there are injuries. Actions you need to take include:

• Consulting your uninsured accident lawyer before speaking with any insurance company representative
• Contacting an emergency line for immediate medical assistance in case someone appears to have sustained injuries
• Deploying local law enforcement personnel to the site
• Sharing your information with all parties involved in the collision
• Using caution when speaking at the site of an automobile accident and refraining from discussing any specifics of the collision or from taking responsibility for the mishap
• Getting names and contact details of any witnesses who may have observed what happened

If you’re driving without insurance and you’re hurt in an accident — even if you’re not at fault, you may not be able to sue the other motorist for damages, lost wages or medical expenses. But maintain perspective. A skilled uninsured driver lawyer can investigate your auto accident and injuries, and with the help of medical records and accident site data, put together a strong case for damages.

While it’s nearly always illegal to drive without insurance or without documentation of financial responsibility, your lack of insurance won’t matter in determining who’s legally responsible for the collision. This may be important when you plead your case if you were found to be the victim and not at fault.

Is No-Fault Insurance Available Where I Live in New Jersey?

New Jersey, Kentucky and Pennsylvania are referred to as “choice no-fault” or “optional no-fault” states. Drivers in these states have the option of being subject to a no-fault system or not. If you’re involved in a car accident and uninsured in New Jersey, you will have to deal with the no-fault regulations of the state.

Just 12 states have no-fault auto insurance, including New Jersey. It makes things more difficult by using a special choice no-fault legislation. After your vehicle accident, your RAM Law legal counsel helps you navigate New Jersey’s intricate no-fault insurance system and obtain just financial recompense and keep you out of trouble as much as possible. Policyholders and their passengers may be covered by no-fault insurance to pay for things like:

• Expenses for hospitalization and medical care following the injury
• Loss of income as a result of being unable to work
• Funeral expenses in case a wrongful death case ensues

In the case of no-fault insurance claims in New Jersey, all injured parties and drivers submit claims to their respective auto insurance companies to pursue compensation, regardless of who is at blame in the collision. To be eligible for no-fault insurance coverage, you don’t have to demonstrate negligence or prove fault. In other words, if you carry no-fault insurance and are in an accident with an uninsured driver, your insurance company compensates you for your losses.

Do I Need an Uninsured Accident Attorney if I Have an Accident with an Uninsured Driver?

You can acquire proof that the other person was not covered by insurance at the time of your accident with the assistance of an attorney. In the case that the other driver claims you were to blame for the collision, a lawyer can ensure that your rights are upheld.

In an uninsured motorist lawsuit, having legal representation may improve the results. To make sure you get compensated, your attorney can gather compensation more completely and efficiently because of experience in all kinds of negotiations with many different insurance carriers.

Because of how time-consuming this procedure can be, you can find yourself neglecting your job or other obligations. Having legal representation from a RAM Law uninsured driver lawyer allows you to handle your case while concentrating on your recovery from the accident. Other kinds of vehicle accident lawsuits handled by RAM Law skilled personal injury attorneys, include:

• Hit and run accidents
• Speeding accidents
• Passenger injuries
• Passenger negligence
• Rideshare accidents
• Uber and Lyft accidents
• Motorcycle accidents
• All types of trucking accidents

Car Accident Lawyers at Rebenack, Aronow & Mascolo, L.L.P. Help Injured Clients Recover Compensation

The effects of an accident can linger long after the crash, especially if you suffer serious injuries. If a negligent driver has injured you, work with Rebenack, Aronow & Mascolo, L.L.P. Our skilled car accident lawyers will help you put your life back on course. To schedule a free consultation, call us today at 732-247-3600 or complete our online form. Located in New Brunswick, Somerville, and Freehold, New Jersey, we serve clients in Middlesex County, Monmouth County, and Somerset County.